BlastPoint's Credit Union Scorecard
METCO
Charter #60013 · IA
METCO demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio: Top 4.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.0% in tier
- + Fee Income Per Member: Top 9.0% in tier
- + Average Member Relationship (AMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits +1.9% year over year ($47.3M in shares and deposits).
- Membership: 3,291 members, +1.0% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 2.66%.
- Efficiency ratio 50.71% vs a 88.77% peer average.
- Loan-to-share ratio 70.85% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,291
+1.0% YoY+0.3% QoQ
|
+705 |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$58.7M
+4.4% YoY+0.9% QoQ
|
+$28.4M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$33.5M
+3.0% YoY+0.6% QoQ
|
+$18.1M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 14.2% in tier |
| Deposits |
$47.3M
+1.9% YoY+0.2% QoQ
|
+$21.5M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
2.7%
+3.4% YoY+22.0% QoQ
|
+1.2% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
Top 4.9% in tier |
| NIM |
4.4%
+3.1% YoY+1.1% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
50.7%
+1.9% YoY-7.1% QoQ
|
-38.1% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Top 4.6% in tier |
| Delinquency Rate |
0.7%
+131.4% YoY+183.9% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
70.9%
+1.0% YoY+0.5% QoQ
|
+12.0% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$24,577
+1.4% YoY+0.1% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Top 9.8% in tier |
| CD Concentration |
22.0%
-7.6% YoY-4.6% QoQ
|
-2.5% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 7.7% | 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)