BlastPoint's Credit Union Scorecard
EMPLOYEES
Charter #63299 · IA
EMPLOYEES has 12 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.0% in tier
- + Emerging Performer: Top 64.6% in tier
- + Organic Growth Leader: Top 68.7% in tier
- + Wallet Share Momentum: Top 84.2% in tier
- + ROA 0.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.8% in tier
- + Members Per Employee (MPE): Top 2.0% in tier
- + Share Certificate Concentration (%): Top 2.2% in tier
- + Net Worth Ratio: Top 4.1% in tier
- + Deposit Growth Rate: Top 5.1% in tier
- + Asset Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.2% in tier
- - Delinquency rate 1.98% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,122
+1.7% YoY0% QoQ
|
-6.3K |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$195.2M
+12.1% YoY+2.7% QoQ
|
$-36.6M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$88.9M
-1.3% YoY-0.4% QoQ
|
$-58.4M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$157.6M
+13.5% YoY+3.1% QoQ
|
$-43.2M |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
44% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
-5.8% YoY-15.1% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
2.6%
-0.3% YoY-5.6% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio |
46.7%
+0.7% YoY+13.1% QoQ
|
-30.3% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
2.9%
-24.3% YoY-20.7% QoQ
|
+2.0 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Top 2.6% in tier |
| Loan To Share |
56.4%
-13.0% YoY-3.4% QoQ
|
-15.8% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$27,023
+5.9% YoY+1.8% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
1.4%
-3.7% YoY-2.9% QoQ
|
-23.0% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)