BlastPoint's Credit Union Scorecard
EMPLOYEES
Charter #63299 · IA
EMPLOYEES has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.66% above tier average
- + Efficiency Ratio: Top 1.1% in tier
- + Members Per Employee (MPE): Top 1.9% in tier
- + Share Certificate Concentration (%): Top 2.0% in tier
- + Net Worth Ratio: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 2.83% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Net Interest Margin (NIM): Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,142
+1.3% YoY+0.2% QoQ
|
-6.0K |
15,145
-2.5% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$200.2M
+8.9% YoY+2.5% QoQ
|
$-31.5M |
$231.7M
+0.8% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$88.4M
-1.4% YoY-0.6% QoQ
|
$-55.8M |
$144.1M
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$161.8M
+9.4% YoY+2.7% QoQ
|
$-39.3M |
$201.1M
+0.4% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
1.4%
-17.0% YoY+9.6% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Top 13.9% in tier |
| NIM |
2.7%
-2.2% YoY+5.7% QoQ
|
-0.9% |
3.6%
+4.6% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio |
44.7%
+10.6% YoY-4.4% QoQ
|
-33.4% |
78.0%
-1.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
3.6%
+20.2% YoY+25.2% QoQ
|
+2.8 |
0.8%
+7.1% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
54.6%
-9.8% YoY-3.3% QoQ
|
-15.8% |
70.4%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$27,364
+4.0% YoY+1.3% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
1.3%
-4.1% YoY-8.6% QoQ
|
-23.0% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (3)
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 (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)