BlastPoint's Credit Union Scorecard
EMPLOYEES
Charter #63299 · IA
EMPLOYEES has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.75% above tier average
- + Efficiency Ratio: Top 0.9% in tier
- + Members Per Employee (MPE): Top 1.9% in tier
- + Share Certificate Concentration (%): Top 2.0% in tier
- + Net Worth Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 2.36% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- - Net Interest Margin (NIM): Bottom 7.8% in tier
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 +7.0% year over year ($164M in shares and deposits).
- Membership: 9,171 members, +0.9% vs a year ago.
- Delinquency rate 3.25%.
- Return on assets 1.62%.
- Efficiency ratio 43.64% vs a 76.73% peer average.
- Loan-to-share ratio 53.47% 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 |
9,171
+0.9% YoY+0.3% QoQ
|
-6.0K |
15,168
-2.6% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$203.4M
+7.1% YoY+1.6% QoQ
|
$-28.7M |
$232.0M
+0.7% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$87.8M
-3.1% YoY-0.7% QoQ
|
$-58.5M |
$146.3M
+0.2% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$164.1M
+7.0% YoY+1.4% QoQ
|
$-36.6M |
$200.7M
+0.2% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
1.6%
+11.4% YoY+16.7% QoQ
|
+0.8% |
0.9%
+12.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
Top 9.8% in tier |
| NIM |
2.8%
+3.9% YoY+2.3% QoQ
|
-0.9% |
3.7%
+4.5% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
43.6%
+3.3% YoY-2.3% QoQ
|
-33.1% |
76.7%
-0.8% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
3.2%
-5.6% YoY-9.9% QoQ
|
+2.4 |
0.9%
+6.6% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.9% in tier |
| Loan To Share |
53.5%
-9.4% YoY-2.1% QoQ
|
-18.1% |
71.5%
-0.3% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 15.0% in tier |
| AMR |
$27,462
+2.4% YoY+0.4% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
1.2%
-10.0% YoY-7.6% QoQ
|
-23.4% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)