BlastPoint's Credit Union Scorecard

FINANCIAL PLUS

Charter #62965 · IA

100M-500M

1024 CUs in 100M-500M nationally 19 in IA

FINANCIAL PLUS has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.17% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Delinquency rate 0.15% above tier average
- Member decline: -2.4% YoY

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
Shares and deposits +6.4% year over year ($206M in shares and deposits).
Membership: 11,507 members, -2.4% vs a year ago.
Delinquency rate 1.03%.
Return on assets 1.04%.
Efficiency ratio 73.24% vs a 76.73% peer average.
Loan-to-share ratio 80.83% vs a 71.54% 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	11,507 -2.4% YoY-0.9% QoQ	-3.7K	15,168 -2.6% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	41%
Assets	$241.7M +6.7% YoY+0.9% QoQ	+$9.7M	$232.0M +0.7% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	61%
Loans	$166.9M +1.2% YoY+0.4% QoQ	+$20.6M	$146.3M +0.2% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	67%
Deposits	$206.5M +6.4% YoY+0.5% QoQ	+$5.8M	$200.7M +0.2% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	61%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% -14.9% YoY+22.1% QoQ	+0.2%	0.9% +12.5% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	66%
NIM	3.5% -1.2% YoY+2.3% QoQ	-0.2%	3.7% +4.5% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	38%
Efficiency Ratio	73.2% +8.2% YoY-5.7% QoQ	-3.5%	76.7% -0.8% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	36%
Delinquency Rate	1.0% +271.9% YoY+93.7% QoQ	+0.2	0.9% +6.6% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	70%
Loan To Share	80.8% -4.9% YoY-0.1% QoQ	+9.3%	71.5% -0.3% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	66%
AMR	$32,447 +6.5% YoY+1.4% QoQ	+$7K	$25,107 +3.2% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	Top 14.0% in tier
CD Concentration	15.4% +15.7% YoY+2.8% QoQ	-9.2%	24.6%	21.7%	20.0%	50%
Indirect Auto %	12.7% +3.1% YoY-2.5% QoQ	-0.9%	13.6%	9.1%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#96 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.51%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#335 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.51%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk

#73 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.75% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Stagnation Risk

risk

#244 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.35%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.18%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.03%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Risk Growth

risk

#254 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.18%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.75% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Membership Headwinds

decline

#298 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.35%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Margin Compression

decline

#106 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.04%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.22%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

Cost Spiral

risk

#84 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.55% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 67.68%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (5 metrics)

137

Loan-to-Member Ratio (LMR)

engagement

Value: $14,504

Peer Median: $9,434

#137 of 1024 Top 13.3% in 100M-500M tier

143

Average Member Relationship (AMR)

engagement

Value: $32,447

Peer Median: $23,006

#143 of 1024 Top 13.9% in 100M-500M tier

225

Net Worth Ratio

risk

Value: 14.28%

Peer Median: 11.71%

#225 of 1024 Top 21.9% in 100M-500M tier

231

Share Certificate Concentration (%)

balance_sheet

Value: 15.40%

Peer Median: 23.39%

#231 of 1024 Top 22.5% in 100M-500M tier

237

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.34%

#237 of 1024 Top 23.0% in 100M-500M tier

Top Weaknesses (1 metrics)

785

Member Growth Rate

growth

Value: -2.35%

Peer Median: -0.03%

#785 of 1024 Bottom 23.4% in 100M-500M tier