BlastPoint's Credit Union Scorecard
POWER CO-OP EMPLOYEES
Charter #61920 · IA
POWER CO-OP EMPLOYEES has 13 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Strong member growth: 5.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Loan Growth Rate: Top 2.3% in tier
- + Efficiency Ratio: Top 3.4% in tier
- + Total Loans: Top 4.0% in tier
- + Member Growth Rate: Top 5.9% in tier
- + Deposit Growth Rate: Top 8.7% in tier
- + Asset Growth Rate: Top 9.2% in tier
- + Total Assets: Top 9.2% in tier
- + Total Deposits: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.19% above tier average
- - Share Certificate Concentration (%): Bottom 3.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,811
+5.9% YoY-17.8% QoQ
|
+185 |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$75.9M
+9.6% YoY+1.7% QoQ
|
+$46.0M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Top 9.3% in tier |
| Loans |
$53.2M
+22.6% YoY+3.9% QoQ
|
+$37.5M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Top 4.1% in tier |
| Deposits |
$64.5M
+10.1% YoY+1.8% QoQ
|
+$39.1M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 9.4% in tier |
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| ROA |
1.3%
+16.7% YoY+3.4% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
2.8%
+17.0% YoY+1.8% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
43.9%
-3.9% YoY-2.9% QoQ
|
-37.5% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
3.7%
+681.5% YoY+49.9% QoQ
|
+2.2 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Top 9.2% in tier |
| Loan To Share |
82.5%
+11.3% YoY+2.0% QoQ
|
+21.3% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$41,889
+8.9% YoY+25.0% QoQ
|
+$27K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 1.0% in tier |
| CD Concentration |
50.3%
+2.4% YoY+0.4% QoQ
|
+25.9% |
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)