BlastPoint's Credit Union Scorecard
THE FAMILY
Charter #60728 · IA
THE FAMILY has 1 strength but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 6.9% in tier
- - Accelerating Exit Risk: Bottom 8.0% in tier
- - Membership Headwinds: Bottom 10.6% in tier
- - Stagnation Risk: Bottom 12.5% in tier
- - Shrinking Wallet Share: Bottom 18.1% in tier
- - Margin Compression: Bottom 29.1% in tier
- - ROA 0.00% below tier average
- - Delinquency rate 0.20% above tier average
- - Member decline: -3.9% YoY
- - Deposit Growth Rate: Bottom 4.4% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
- - Loan Growth Rate: Bottom 7.1% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,256
-3.9% YoY-0.5% QoQ
|
+4.6K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$243.6M
-3.0% YoY-5.5% QoQ
|
+$12.3M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$140.7M
-7.1% YoY-1.0% QoQ
|
$-7.1M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$207.2M
-4.0% YoY-6.8% QoQ
|
+$6.9M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.8%
-16.9% YoY+60.2% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.8%
+9.2% YoY+8.7% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
72.0%
+5.9% YoY-1.8% QoQ
|
-5.3% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.1%
-30.7% YoY-12.5% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
67.9%
-3.2% YoY+6.3% QoQ
|
-4.8% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$17,177
-1.5% YoY-4.1% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
23.4%
-15.9% YoY-14.2% QoQ
|
-1.1% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.5%
-9.0% YoY-1.1% QoQ
|
-1.5% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)