BlastPoint's Credit Union Scorecard
IOWA HEARTLAND
Charter #60718 · IA
IOWA HEARTLAND demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.11% above tier average
- + Net Interest Margin 0.24% above tier average
- + Members Per Employee (MPE): Top 5.4% in tier
- + Member Growth Rate: Top 9.9% 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 |
3,350
+3.6% YoY-1.4% QoQ
|
+673 |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$31.2M
+1.5% YoY+1.3% QoQ
|
+$984K |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$11.9M
-10.8% YoY-3.4% QoQ
|
$-3.4M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$25.8M
+0.0% YoY+1.3% QoQ
|
+$34K |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
1.3%
-1524.3% YoY-36.5% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
4.2%
+31.0% YoY-18.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
65.9%
-35.6% YoY+7.5% QoQ
|
-24.7% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.6%
-30.8% YoY-35.9% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
46.1%
-10.8% YoY-4.6% QoQ
|
-12.4% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$11,257
-7.0% YoY+1.2% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration |
15.4%
+11.1% YoY+12.3% QoQ
|
-8.8% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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)