BlastPoint's Credit Union Scorecard
LEE COUNTY
Charter #61393 · IA
LEE COUNTY has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 1.85% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.8% in tier
- - Loan Growth Rate: Bottom 3.1% in tier
- - Net Charge-Off Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
531
+0.2% YoY+0.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 14.4% in tier |
| Assets |
$3.2M
-2.9% YoY-2.2% QoQ
|
$-26.9M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.7% in tier |
| Loans |
$1.8M
-26.9% YoY-10.2% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$2.2M
-5.4% YoY-3.3% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.2% in tier |
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| ROA |
1.0%
-35.1% YoY-14.4% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
5.8%
-0.6% YoY-1.2% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 4.9% in tier |
| Efficiency Ratio |
73.0%
+12.6% YoY+6.3% QoQ
|
-9.6% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
81.5%
-22.7% YoY-7.1% QoQ
|
+20.9% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$7,548
-16.6% YoY-6.7% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
2.0%
+17.4% YoY+3.7% QoQ
|
-22.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)