BlastPoint's Credit Union Scorecard
IOWA HEARTLAND
Charter #60718 · IA
IOWA HEARTLAND has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.35% above tier average
- + Net Interest Margin 1.24% above tier average
- + Strong member growth: 5.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.3% in tier
- + Member Growth Rate: Top 5.9% in tier
- + Net Charge-Off Rate: Top 6.7% in tier
- + Deposit Growth Rate: Top 8.5% in tier
- + Asset Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,396
+5.1% YoY+6.4% QoQ
|
+780 |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$30.8M
+9.9% YoY+6.5% QoQ
|
+$621K |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$12.3M
-17.6% YoY-18.0% QoQ
|
$-3.5M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$25.5M
+10.8% YoY+7.3% QoQ
|
$-213K |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
2.0%
+107.7% YoY+149.3% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 7.2% in tier |
| NIM |
5.2%
+51.6% YoY+1241.3% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
61.3%
-17.5% YoY-23.8% QoQ
|
-21.2% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate |
0.9%
+86.0% YoY-10.6% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
48.3%
-25.6% YoY-23.5% QoQ
|
-12.3% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$11,126
-5.3% YoY-8.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
13.7%
+106.3% YoY+41.7% QoQ
|
-10.7% | 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)