BlastPoint's Credit Union Scorecard
POWER CO-OP EMPLOYEES
Charter #61920 · IA
POWER CO-OP EMPLOYEES has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 0.5% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + AMR Growth Rate: Top 1.3% in tier
- + Efficiency Ratio: Top 2.1% in tier
- + Asset Growth Rate: Top 2.7% in tier
- + Total Loans: Top 3.0% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Total Assets: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Delinquency rate 0.75% above tier average
- - Member decline: -15.6% YoY
- - Share Certificate Concentration (%): Bottom 2.5% in tier
- - Member Growth Rate: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 8.5% 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 +15.2% year over year ($73.0M in shares and deposits).
- Membership: 2,888 members, -15.6% vs a year ago.
- Delinquency rate 2.29%.
- Return on assets 1.27%.
- Efficiency ratio 43.39% vs a 88.77% peer average.
- Loan-to-share ratio 76.76% 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 |
2,888
-15.6% YoY+1.3% QoQ
|
+302 |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$85.6M
+14.6% YoY+2.4% QoQ
|
+$55.3M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
Top 5.4% in tier |
| Loans |
$56.0M
+9.4% YoY+1.4% QoQ
|
+$40.6M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 3.1% in tier |
| Deposits |
$73.0M
+15.2% YoY+2.1% QoQ
|
+$47.2M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Top 5.9% in tier |
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| ROA |
1.3%
+3.8% YoY+16.4% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
2.6%
-5.4% YoY+11.5% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio |
43.4%
-4.0% YoY-11.7% QoQ
|
-45.4% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Top 2.1% in tier |
| Delinquency Rate |
2.3%
-7.1% YoY+155.0% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
76.8%
-5.1% YoY-0.7% QoQ
|
+17.9% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$44,678
+33.3% YoY+0.5% QoQ
|
+$30K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Top 0.6% in tier |
| CD Concentration |
54.3%
+8.5% YoY+8.1% QoQ
|
+29.8% | 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)