BlastPoint's Credit Union Scorecard
THE FAMILY
Charter #60728 · IA
THE FAMILY has 1 strength but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 8.5% in tier
- - Accelerating Exit Risk: Bottom 9.1% in tier
- - Institutional Decline: Bottom 27.2% in tier
- - Credit Quality Pressure: Bottom 28.0% in tier
- - Shrinking Wallet Share: Bottom 28.5% in tier
- - Membership Headwinds: Bottom 41.0% in tier
- - ROA 0.07% below tier average
- - Delinquency rate 0.87% above tier average
- - Member decline: -3.3% YoY
- - Deposit Growth Rate: Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 1.9% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 5.8% in tier
- - Net Charge-Off Rate: Bottom 8.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,955
-3.3% YoY-1.5% QoQ
|
+4.5K |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$242.2M
-6.1% YoY-0.6% QoQ
|
+$10.4M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$136.1M
-7.6% YoY-3.3% QoQ
|
$-11.3M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$205.9M
-7.6% YoY-0.6% QoQ
|
+$5.1M |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.7%
+1.2% YoY-11.6% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
4.0%
+15.6% YoY+5.5% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
74.4%
+4.8% YoY+3.3% QoQ
|
-2.6% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.8%
+25.7% YoY+66.0% QoQ
|
+0.9 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Top 9.9% in tier |
| Loan To Share |
66.1%
+0.1% YoY-2.7% QoQ
|
-6.1% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$17,136
-4.5% YoY-0.2% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
21.3%
-25.6% YoY-8.8% QoQ
|
-3.1% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
11.9%
-9.6% YoY-4.6% QoQ
|
-1.9% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)