BlastPoint's Credit Union Scorecard
LEE COUNTY
Charter #61393 · IA
LEE COUNTY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.65% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - AMR Growth Rate: Bottom 4.8% in tier
- - Loan Growth Rate: Bottom 8.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits -6.1% year over year ($2.2M in shares and deposits).
- Membership: 534 members, +1.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.26%.
- Efficiency ratio 76.49% vs a 88.77% peer average.
- Loan-to-share ratio 79.82% vs a 58.89% 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 |
534
+1.3% YoY+0.9% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Bottom 14.7% in tier |
| Assets |
$3.2M
-3.3% YoY-3.7% QoQ
|
$-27.1M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.3% in tier |
| Loans |
$1.7M
-18.5% YoY-2.4% QoQ
|
$-13.7M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$2.2M
-6.1% YoY-5.9% QoQ
|
$-23.6M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.9% in tier |
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| ROA |
1.3%
-2.7% YoY+65.4% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
5.6%
-9.2% YoY+12.3% QoQ
|
+1.7% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
76.5%
+11.3% YoY-9.8% QoQ
|
-12.3% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
79.8%
-13.2% YoY+3.8% QoQ
|
+20.9% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$7,347
-13.2% YoY-5.3% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
1.9%
+1.0% YoY+6.6% QoQ
|
-22.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 7.7% | 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)