BlastPoint's Credit Union Scorecard
GREENSTATE
Charter #60269 · IA
GREENSTATE has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 12.0% in tier
- + Wallet Share Momentum: Top 12.0% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Fee Income Per Member: Top 8.0% in tier
- + AMR Growth Rate: Top 8.0% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.0% in tier
- - Membership Headwinds: Bottom 100.0% in tier
- - Stagnation Risk: Bottom 100.0% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 13.43% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - Member decline: -8.4% YoY
- - Net Interest Margin (NIM): Bottom 4.0% in tier
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 25 credit unions with $10B+ in assets nationally, and 1 of 1 that size in Iowa.
- Shares and deposits +2.4% year over year ($8.71B in shares and deposits).
- Membership: 359,136 members, -8.4% vs a year ago.
- Delinquency rate 1.24%.
- Return on assets 0.53%.
- Efficiency ratio 75.00% vs a 61.57% peer average.
- Loan-to-share ratio 107.73% vs a 87.50% 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 |
359,136
-8.4% YoY-12.1% QoQ
|
-1.3M |
1,671,910
-4.2% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Bottom 4.0% in tier |
| Assets |
$10.9B
+1.9% YoY-2.2% QoQ
|
$-16.7B |
$27.7B
+0.2% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$9.4B
+1.2% YoY+2.1% QoQ
|
$-10.7B |
$20.0B
-0.9% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$8.7B
+2.4% YoY-1.3% QoQ
|
$-14.8B |
$23.5B
+0.4% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.0% in tier |
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| ROA |
0.5%
+81.7% YoY-10.4% QoQ
|
-0.5% |
1.0%
+45.0% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
2.4%
+17.9% YoY+5.0% QoQ
|
-0.9% |
3.2%
+5.4% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
75.0%
-1.0% YoY-1.7% QoQ
|
+13.4% |
61.6%
-6.2% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.2%
-40.3% YoY-1.6% QoQ
|
+0.2 |
1.0%
-2.7% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
107.7%
-1.2% YoY+3.5% QoQ
|
+20.2% |
87.5%
-3.0% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 4.0% in tier |
| AMR |
$50,392
+11.1% YoY+14.2% QoQ
|
+$18K |
$32,850
+5.7% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Top 12.0% in tier |
| CD Concentration |
44.8%
-4.6% YoY-2.2% QoQ
|
+14.6% | 30.2% | 21.7% | 20.0% | Top 8.0% in tier |
| Indirect Auto % |
8.7%
-5.6% YoY-2.7% QoQ
|
-6.3% | 15.0% | 9.1% | 7.7% | 28% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)