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 0.47% above tier average
- + Net Interest Margin 1.94% 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 5.7% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 5.8% in tier
- - AMR Growth Rate: Bottom 8.1% in tier
- - Loan Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
530
-0.4% YoY+0.6% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 14.8% in tier |
| Assets |
$3.3M
-1.2% YoY-1.0% QoQ
|
$-26.6M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.9% in tier |
| Loans |
$2.0M
-16.8% YoY-6.1% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$2.3M
-3.0% YoY-1.7% QoQ
|
$-23.2M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.9% in tier |
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| ROA |
1.1%
-41.0% YoY-11.3% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
5.9%
+1.9% YoY-4.0% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
68.7%
+7.9% YoY-0.1% QoQ
|
-12.7% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
87.8%
-14.3% YoY-4.5% QoQ
|
+26.6% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 13.3% in tier |
| AMR |
$8,094
-9.7% YoY-4.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
1.9%
+14.5% YoY+2.0% QoQ
|
-22.5% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
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)