BlastPoint's Credit Union Scorecard
POWER CO-OP EMPLOYEES
Charter #61920 · IA
POWER CO-OP EMPLOYEES has 12 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.6% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Asset Growth Rate: Top 3.2% in tier
- + Deposit Growth Rate: Top 3.3% in tier
- + AMR Growth Rate: Top 3.3% in tier
- + Efficiency Ratio: Top 3.4% in tier
- + Loan Growth Rate: Top 3.6% in tier
- + Total Loans: Top 3.7% in tier
- + Total Deposits: Top 7.3% in tier
- + Total Assets: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 2.2% in tier
- - Net Interest Margin (NIM): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,841
-0.5% YoY+1.1% QoQ
|
+225 |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$80.9M
+15.1% YoY+6.6% QoQ
|
+$50.8M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Top 7.4% in tier |
| Loans |
$54.5M
+20.4% YoY+2.5% QoQ
|
+$38.8M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 3.8% in tier |
| Deposits |
$69.0M
+15.7% YoY+7.0% QoQ
|
+$43.3M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 7.3% in tier |
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| ROA |
1.1%
-8.5% YoY-14.1% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
2.5%
+6.7% YoY-9.2% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio |
46.9%
+1.8% YoY+7.0% QoQ
|
-35.6% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
1.4%
+51.7% YoY-62.0% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
79.0%
+4.0% YoY-4.2% QoQ
|
+18.4% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$43,492
+18.3% YoY+3.8% QoQ
|
+$29K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 0.9% in tier |
| CD Concentration |
54.6%
+14.4% YoY+8.7% QoQ
|
+30.2% | 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)