BlastPoint's Credit Union Scorecard

CORDA

Charter #63602 · IA

Community 500M-750M
165 CUs in 500M-750M nationally 3 in IA
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CORDA has 7 strengths but faces 9 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 70.4% in tier
  • + Net Interest Margin 0.13% above tier average
  • + Total Loans: Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.6% in tier
  • + Loan-to-Share Ratio: Top 1.8% in tier
  • + Average Member Relationship (AMR): Top 1.8% in tier
  • + Total Assets: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 11.5% in tier
  • - Efficiency Drag: Bottom 63.3% in tier
  • - Indirect Auto Dependency: Bottom 67.1% in tier
  • - Credit Risk Growth: Bottom 68.6% in tier
  • - Credit Quality Pressure: Bottom 71.3% in tier
  • - ROA 0.73% below tier average
  • - Efficiency ratio 10.95% above tier (higher cost structure)
  • - Delinquency rate 0.05% above tier average
  • - Members Per Employee (MPE): Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 26,718
+3.0% YoY+1.4% QoQ
 -11.9K 38,575
-4.8% YoY
 24,743
-0.2% YoY
 33,374
+5.7% YoY
 Bottom 10.3% in tier
Assets $726.3M
+5.8% YoY+0.3% QoQ
 +$104.5M $621.7M
+0.1% YoY
 $526.3M
+6.5% YoY
 $561.6M
+9.7% YoY
 Top 7.3% in tier
Loans $621.9M
+5.7% YoY+0.5% QoQ
 +$192.1M $429.8M
-1.8% YoY
 $422.1M
+6.5% YoY
 $397.0M
+8.8% YoY
 Top 0.6% in tier
Deposits $575.6M
+7.7% YoY+2.9% QoQ
 +$36.9M $538.7M
+0.6% YoY
 $432.9M
+5.9% YoY
 $477.3M
+9.7% YoY
 70%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.1%
-109.0% YoY-82.4% QoQ
 -0.7% 0.7%
+42.9% YoY
 0.9%
+6.1% YoY
 0.7%
+15.9% YoY
 Bottom 4.2% in tier
NIM 3.6%
+12.6% YoY+2.5% QoQ
 +0.1% 3.4%
+8.0% YoY
 3.9%
+6.4% YoY
 3.8%
+5.1% YoY
 62%
Efficiency Ratio 88.5%
+23.1% YoY-7.5% QoQ
 +11.0% 77.5%
-4.1% YoY
 74.3%
-0.8% YoY
 79.7%
-3.3% YoY
 Top 10.3% in tier
Delinquency Rate 0.9%
+13.6% YoY+17.7% QoQ
 +0.1 0.8%
-1.1% YoY
 1.4%
+32.5% YoY
 1.3%
-2.1% YoY
 67%
Loan To Share 108.0%
-1.9% YoY-2.3% QoQ
 +28.2% 79.8%
-2.3% YoY
 76.3%
-0.8% YoY
 67.4%
-1.7% YoY
 Top 2.4% in tier
AMR $44,822
+3.5% YoY+0.2% QoQ
 +$18K $26,849
+2.7% YoY
 $21,029
+4.7% YoY
 $19,687
+2.0% YoY
 Top 2.4% in tier
CD Concentration 30.8%
+0.7% YoY-3.5% QoQ
 +6.4% 24.4% 22.0% 19.8% 73%
Indirect Auto % 24.4%
-0.3% YoY-2.6% QoQ
 +10.6% 13.8% 9.2% 7.8% 77%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth
#189 of 268 • Top 70.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 3.54%
(Tier: 4.17%, National: 4.00%)
but worse than tier avg
Share Draft per Member: $5.6K
(Tier: $2.9K, National: $2.0K)
better than tier avg
268 of 282 Community CUs have this signature | 351 nationally
↑ Growing +46 CUs YoY | Rank worsening

Concerns (5)

Liquidity Strain

risk
#27 of 228 • Bottom 11.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 108.05%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 5.71%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 282 Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank worsening

Efficiency Drag

risk
#341 of 538 • Bottom 63.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 88.47%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.81% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 3.02%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
633 nationally
↓ Shrinking -98 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#340 of 506 • Bottom 67.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.76%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 24.37%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.02%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Credit Risk Growth

risk
#313 of 456 • Bottom 68.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.71%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.11% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
665 nationally
→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk
#503 of 705 • Bottom 71.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

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)

Comparing against 165 peers in tier

Top Strengths (7 metrics)

1
Total Loans
balance_sheet
Value: $621.93M
Peer Median: -
#1 of 165 Top 0.0% in 500M-750M tier
2
Loan-to-Member Ratio (LMR)
engagement
Value: $23,278
Peer Median: -
#2 of 165 Top 0.6% in 500M-750M tier
4
Loan-to-Share Ratio
balance_sheet
Value: 108.05%
Peer Median: -
#4 of 165 Top 1.8% in 500M-750M tier
4
Average Member Relationship (AMR)
engagement
Value: $44,822
Peer Median: -
#4 of 165 Top 1.8% in 500M-750M tier
12
Total Assets
balance_sheet
Value: $726.26M
Peer Median: -
#12 of 165 Top 6.7% in 500M-750M tier
33
Member Growth Rate
growth
Value: 3.02%
Peer Median: -
#33 of 165 Top 19.4% in 500M-750M tier
37
Deposit Growth Rate
growth
Value: 7.73%
Peer Median: -
#37 of 165 Top 21.8% in 500M-750M tier

Top Weaknesses (4 metrics)

158
Return on Assets (ROA)
profitability
Value: -0.07%
Peer Median: -
#158 of 165 Bottom 4.8% in 500M-750M tier
156
Members Per Employee (MPE)
engagement
Value: 228.359
Peer Median: -
#156 of 165 Bottom 6.1% in 500M-750M tier
149
Efficiency Ratio
profitability
Value: 88.47%
Peer Median: -
#149 of 165 Bottom 10.3% in 500M-750M tier
148
Total Members
engagement
Value: 26,718
Peer Median: -
#148 of 165 Bottom 10.9% in 500M-750M tier
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