BlastPoint's Credit Union Scorecard
CORDA
Charter #63602 · IA
CORDA has 7 strengths but faces 6 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
- + Relationship Depth Leader: Top 43.0% in tier
- + Net Interest Margin 0.21% above tier average
- + Total Assets: Top 0.1% in tier
- + Total Loans: Top 0.1% 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
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.3% in tier
- - Indirect Auto Dependency: Bottom 12.7% in tier
- - Credit Risk Growth: Bottom 21.4% in tier
- - Credit Quality Pressure: Bottom 41.4% in tier
- - ROA 0.14% below tier average
- - Members Per Employee (MPE): Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,148
+4.1% YoY+1.6% QoQ
|
-10.9K |
38,079
-4.8% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 12.6% in tier |
| Assets |
$748.9M
+9.6% YoY+3.1% QoQ
|
+$129.2M |
$619.7M
-0.2% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Top 0.6% in tier |
| Loans |
$637.6M
+8.9% YoY+2.5% QoQ
|
+$218.3M |
$419.3M
-1.4% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Top 0.6% in tier |
| Deposits |
$599.0M
+8.3% YoY+4.1% QoQ
|
+$59.5M |
$539.5M
-0.1% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
0.6%
+161.8% YoY-918.3% QoQ
|
-0.1% |
0.7%
+36.0% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
3.7%
+6.9% YoY+2.9% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
75.9%
-0.2% YoY-14.2% QoQ
|
-2.5% |
78.4%
-3.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
0.7%
+10.6% YoY-21.8% QoQ
|
+0.0 |
0.7%
-0.9% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
106.4%
+0.6% YoY-1.5% QoQ
|
+28.8% |
77.7%
-1.2% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 2.4% in tier |
| AMR |
$45,550
+4.3% YoY+1.6% QoQ
|
+$19K |
$26,927
+3.1% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Top 2.4% in tier |
| CD Concentration |
29.4%
-3.5% YoY-4.5% QoQ
|
+5.1% | 24.3% | 21.8% | 19.8% | 69% |
| Indirect Auto % |
24.0%
-5.0% YoY-1.4% QoQ
|
+10.2% | 13.8% | 9.2% | 7.7% | 77% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)