BlastPoint's Credit Union Scorecard
FINANCIAL PLUS
Charter #62965 · IA
FINANCIAL PLUS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 24.6% in tier
- + Wallet Share Momentum: Top 52.5% in tier
- + Profitability Leader: Top 75.5% in tier
- + ROA 0.45% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 9.8% in tier
- - Margin Compression: Bottom 15.0% in tier
- - Membership Headwinds: Bottom 31.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,778
-0.7% YoY-0.1% QoQ
|
-3.9K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$228.0M
+6.0% YoY+0.6% QoQ
|
$-3.3M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$167.6M
+8.4% YoY+1.6% QoQ
|
+$19.8M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$194.8M
+5.1% YoY+0.4% QoQ
|
$-5.5M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
1.2%
-13.5% YoY+2.0% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
3.6%
+1.9% YoY+1.2% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
67.6%
+0.9% YoY-0.1% QoQ
|
-9.7% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.4%
-49.2% YoY+42.8% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
86.1%
+3.1% YoY+1.2% QoQ
|
+13.4% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$30,773
+7.3% YoY+1.0% QoQ
|
+$6K |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 14.7% in tier |
| CD Concentration |
14.6%
+3.7% YoY+9.6% QoQ
|
-9.8% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.9%
+16.0% YoY+4.5% QoQ
|
-1.1% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)