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 0.39% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.33% below tier average
- - Delinquency rate 0.22% above tier average
- - Member decline: -4.2% YoY
- - Net Charge-Off Rate: Bottom 5.2% in tier
- - Loan Growth Rate: Bottom 6.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
- Shares and deposits -2.9% year over year ($216M in shares and deposits).
- Membership: 19,488 members, -4.2% vs a year ago.
- Delinquency rate 1.10%.
- Return on assets 0.53%.
- Efficiency ratio 75.95% vs a 76.73% peer average.
- Loan-to-share ratio 61.46% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,488
-4.2% YoY-1.3% QoQ
|
+4.3K |
15,168
-2.6% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$253.3M
-1.8% YoY+1.8% QoQ
|
+$21.3M |
$232.0M
+0.7% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$132.8M
-6.6% YoY+0.3% QoQ
|
$-13.5M |
$146.3M
+0.2% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$216.0M
-2.9% YoY+1.6% QoQ
|
+$15.3M |
$200.7M
+0.2% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
0.5%
+7.6% YoY-504.4% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
4.1%
+18.0% YoY+4.8% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
75.9%
+3.6% YoY-9.5% QoQ
|
-0.8% |
76.7%
-0.8% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
1.1%
-9.0% YoY-1.1% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
61.5%
-3.8% YoY-1.3% QoQ
|
-10.1% |
71.5%
-0.3% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$17,896
-0.1% YoY+2.4% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
23.5%
-13.8% YoY+1.6% QoQ
|
-1.1% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
10.6%
-15.9% YoY-8.6% QoQ
|
-3.0% | 13.6% | 9.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
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)