BlastPoint's Credit Union Scorecard
POWER CO-OP EMPLOYEES
Charter #61920 · IA
POWER CO-OP EMPLOYEES has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Loan-to-Member Ratio (LMR): Top 0.6% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Total Loans: Top 2.8% in tier
- + Asset Growth Rate: Top 3.8% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + Efficiency Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.1% YoY
- - Share Certificate Concentration (%): Bottom 3.5% in tier
- - Net Interest Margin (NIM): Bottom 6.0% in tier
- - Member Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,850
-9.1% YoY+0.3% QoQ
|
+173 |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$83.6M
+13.1% YoY+3.3% QoQ
|
+$53.4M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Top 6.1% in tier |
| Loans |
$55.3M
+15.1% YoY+1.3% QoQ
|
+$40.0M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Top 2.8% in tier |
| Deposits |
$71.5M
+13.5% YoY+3.6% QoQ
|
+$45.7M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Top 6.1% in tier |
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| ROA |
1.1%
-25.1% YoY+0.4% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
2.3%
-12.6% YoY-8.2% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
49.1%
+0.9% YoY+4.7% QoQ
|
-41.5% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
0.9%
+19.9% YoY-36.0% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
77.3%
+1.4% YoY-2.2% QoQ
|
+18.8% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$44,471
+25.7% YoY+2.3% QoQ
|
+$30K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Top 0.7% in tier |
| CD Concentration |
50.2%
+3.2% YoY-8.0% QoQ
|
+26.0% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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)