BlastPoint's Credit Union Scorecard
MEMBERS COMMUNITY
Charter #62683 · IA
MEMBERS COMMUNITY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Total Loans: Top 1.5% in tier
- + Total Assets: Top 1.7% in tier
- + Total Deposits: Top 2.9% in tier
- + Fee Income Per Member: Top 3.4% in tier
- + Total Members: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,055
+0.2% YoY-0.0% QoQ
|
+5.4K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Top 3.6% in tier |
| Assets |
$95.2M
+2.9% YoY+2.5% QoQ
|
+$65.1M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Top 1.7% in tier |
| Loans |
$62.2M
+3.8% YoY+2.4% QoQ
|
+$46.4M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 1.6% in tier |
| Deposits |
$79.5M
+2.6% YoY+2.8% QoQ
|
+$53.8M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 3.0% in tier |
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| ROA |
1.2%
+9.9% YoY-8.2% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.5%
+11.7% YoY+0.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
76.6%
-1.6% YoY+1.1% QoQ
|
-6.0% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.1%
+1.9% YoY+38.0% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
78.3%
+1.1% YoY-0.5% QoQ
|
+17.7% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$17,587
+2.9% YoY+2.6% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
29.9%
-5.5% YoY-4.2% QoQ
|
+5.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
8.2%
+19.8% YoY+1.9% QoQ
|
-5.5% | 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)