BlastPoint's Credit Union Scorecard
ASCENTRA
Charter #63268 · IA
ASCENTRA has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 79.3% in tier
- + Organic Growth Engine: Top 86.4% in tier
- + Net Interest Margin 0.86% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 35.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 5.58% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,245
+1.2% YoY0% QoQ
|
+4.7K |
38,575
-4.8% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$575.2M
+5.8% YoY+1.5% QoQ
|
$-46.5M |
$621.7M
+0.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$415.3M
+4.3% YoY-0.4% QoQ
|
$-14.5M |
$429.8M
-1.8% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$489.3M
+4.8% YoY+0.8% QoQ
|
$-49.4M |
$538.7M
+0.6% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.5%
+22.9% YoY-10.5% QoQ
|
-0.1% |
0.7%
+42.9% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
4.3%
+5.0% YoY+0.3% QoQ
|
+0.9% |
3.4%
+8.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 7.3% in tier |
| Efficiency Ratio |
83.1%
-1.8% YoY+0.6% QoQ
|
+5.6% |
77.5%
-4.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.9%
-8.1% YoY-13.6% QoQ
|
+0.0 |
0.8%
-1.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
84.9%
-0.5% YoY-1.1% QoQ
|
+5.0% |
79.8%
-2.3% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$20,918
+3.3% YoY+0.2% QoQ
|
$-6K |
$26,849
+2.7% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
22.3%
+4.3% YoY-3.4% QoQ
|
-2.1% | 24.4% | 22.0% | 19.8% | 43% |
| Indirect Auto % |
0.0%
-64.1% YoY-17.2% QoQ
|
-13.8% | 13.8% | 9.2% | 7.8% | 30% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)