BlastPoint's Credit Union Scorecard
METCO
Charter #60013 · IA
METCO demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.02% above tier average
- + Net Interest Margin 0.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.7% in tier
- + Loan-to-Member Ratio (LMR): Top 7.4% in tier
- + Fee Income Per Member: Top 7.8% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,271
+1.1% YoY+0.3% QoQ
|
+645 |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$57.1M
+6.6% YoY+1.6% QoQ
|
+$27.3M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$33.5M
+4.5% YoY+2.8% QoQ
|
+$17.7M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
85% |
| Deposits |
$46.9M
+4.9% YoY+1.0% QoQ
|
+$21.5M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
2.7%
+0.6% YoY+4.8% QoQ
|
+2.0% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Top 3.0% in tier |
| NIM |
4.3%
+0.5% YoY+0.3% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
48.4%
+0.8% YoY-2.7% QoQ
|
-33.0% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.7% in tier |
| Delinquency Rate |
0.2%
-14.8% YoY-21.6% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
71.3%
-0.3% YoY+1.7% QoQ
|
+10.1% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$24,583
+3.5% YoY+1.4% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 8.7% in tier |
| CD Concentration |
23.9%
+12.8% YoY+0.2% QoQ
|
-0.5% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)