BlastPoint's Credit Union Scorecard

METCO

Charter #60013 · IA

<100M

2508 CUs in <100M nationally 37 in IA

METCO demonstrates 5 strengths

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 2.04% above tier average
+ Net Interest Margin 0.38% above tier average
+ Efficiency Ratio: Top 7.3% in tier
+ Loan-to-Member Ratio (LMR): Top 7.8% in tier
+ Average Member Relationship (AMR): Top 9.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	3,282 +1.6% YoY+0.5% QoQ	+605	2,676 +1.6% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	71%
Assets	$58.2M +5.4% YoY+2.6% QoQ	+$28.0M	$30.2M +1.3% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	82%
Loans	$33.3M +5.7% YoY-0.4% QoQ	+$18.1M	$15.3M -2.0% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	Top 14.2% in tier
Deposits	$47.3M +3.2% YoY+2.6% QoQ	+$21.5M	$25.8M +0.7% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.2% +2.1% YoY-17.2% QoQ	+2.0%	0.1% -77.6% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	Top 4.7% in tier
NIM	4.4% +1.9% YoY+0.4% QoQ	+0.4%	4.0% +4.0% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	54.6% -1.2% YoY+9.1% QoQ	-36.1%	90.6% +6.5% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	Top 7.3% in tier
Delinquency Rate	0.2% -29.9% YoY+34.7% QoQ	-1.3	1.5% +3.8% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	31%
Loan To Share	70.5% +2.5% YoY-3.0% QoQ	+12.0%	58.5% -3.0% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	68%
AMR	$24,559 +2.6% YoY+0.9% QoQ	+$10K	$14,884 -1.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	Top 9.1% in tier
CD Concentration	23.1% +2.8% YoY+1.6% QoQ	-1.2%	24.3%	21.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

119

Return on Assets (ROA)

profitability

Value: 2.18%

Peer Median: 0.61%

#119 of 2508 Top 4.7% in <100M tier

185

Efficiency Ratio

profitability

Value: 54.57%

Peer Median: 81.45%

#185 of 2508 Top 7.3% in <100M tier

196

Loan-to-Member Ratio (LMR)

engagement

Value: $10,158

Peer Median: $4,923

#196 of 2508 Top 7.8% in <100M tier

229

Average Member Relationship (AMR)

engagement

Value: $24,559

Peer Median: $13,926

#229 of 2508 Top 9.1% in <100M tier

355

Total Loans

balance_sheet

Value: $33.34M

Peer Median: $9.48M

#355 of 2508 Top 14.1% in <100M tier

455

Members Per Employee (MPE)

engagement

Value: 468.857

Peer Median: 333.750

#455 of 2508 Top 18.1% in <100M tier

457

Total Assets

balance_sheet

Value: $58.17M

Peer Median: $21.86M

#457 of 2508 Top 18.2% in <100M tier

461

Loan Growth Rate

growth

Value: 5.71%

Peer Median: -2.36%

#461 of 2508 Top 18.3% in <100M tier

484

Member Growth Rate

growth

Value: 1.58%

Peer Median: -1.37%

#484 of 2508 Top 19.3% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available