BlastPoint's Credit Union Scorecard
METCO
Charter #60013 · IA
METCO demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.01% above tier average
- + Net Interest Margin 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.5% in tier
- + Loan-to-Member Ratio (LMR): Top 7.4% in tier
- + Fee Income Per Member: Top 8.1% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,267
+1.5% YoY-0.1% QoQ
|
+651 |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$56.7M
+6.4% YoY-0.7% QoQ
|
+$26.6M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$33.5M
+5.8% YoY-0.0% QoQ
|
+$17.7M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 14.9% in tier |
| Deposits |
$46.1M
+4.1% YoY-1.9% QoQ
|
+$20.4M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
2.6%
+4.1% YoY-2.3% QoQ
|
+2.0% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 2.4% in tier |
| NIM |
4.4%
+0.7% YoY+1.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
50.0%
+4.0% YoY+3.3% QoQ
|
-32.5% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
0.2%
-21.6% YoY-22.8% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
72.7%
+1.7% YoY+1.9% QoQ
|
+12.1% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$24,346
+3.3% YoY-1.0% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 9.4% in tier |
| CD Concentration |
22.7%
+1.6% YoY-4.8% QoQ
|
-1.7% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)