BlastPoint's Credit Union Scorecard
THE FAMILY
Charter #60728 · IA
THE FAMILY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.86% below tier average
- - Efficiency ratio 5.88% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,735
-3.1% YoY-1.1% QoQ
|
+4.6K |
15,145
-2.5% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$248.8M
-7.6% YoY+2.7% QoQ
|
+$17.1M |
$231.7M
+0.8% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$132.3M
-8.2% YoY-2.7% QoQ
|
$-11.8M |
$144.1M
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$212.5M
-9.0% YoY+3.2% QoQ
|
+$11.4M |
$201.1M
+0.4% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
-0.1%
-121.2% YoY-118.8% QoQ
|
-0.9% |
0.7%
+5.1% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.9% in tier |
| NIM |
3.9%
+17.3% YoY-1.8% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
83.9%
+13.0% YoY+12.7% QoQ
|
+5.9% |
78.0%
-1.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
1.1%
-22.4% YoY-36.6% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
62.3%
+0.9% YoY-5.8% QoQ
|
-8.1% |
70.4%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$17,474
-5.8% YoY+2.0% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
23.1%
-23.6% YoY+8.4% QoQ
|
-1.2% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % |
11.6%
-10.7% YoY-2.5% QoQ
|
-2.2% | 13.8% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)