BlastPoint's Credit Union Scorecard
ADVANTAGE
Charter #64030 · IA
ADVANTAGE has 3 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Net Interest Margin 1.73% above tier average
- + Efficiency Ratio: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.8% in tier
- - Shrinking Wallet Share: Bottom 12.6% in tier
- - Stagnation Risk: Bottom 31.5% in tier
- - Accelerating Exit Risk: Bottom 49.1% in tier
- - Institutional Decline: Bottom 82.8% in tier
- - Deposit Outflow: Bottom 97.1% in tier
- - Membership Headwinds: Bottom 98.9% in tier
- - Delinquency rate 2.73% above tier average
- - Loan Growth Rate: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - Total Deposits: Bottom 1.7% in tier
- - AMR Growth Rate: Bottom 2.1% in tier
- - Total Assets: Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,165
-0.5% YoY-0.5% QoQ
|
-8.3K |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 11.6% in tier |
| Assets |
$103.7M
+0.9% YoY+0.5% QoQ
|
$-128.2M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.2% in tier |
| Loans |
$63.1M
-16.2% YoY-4.9% QoQ
|
$-84.2M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.5% in tier |
| Deposits |
$87.7M
-1.1% YoY+0.0% QoQ
|
$-113.1M |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.6% in tier |
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 |
1.9%
-208.3% YoY+7.9% QoQ
|
+1.2% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 2.6% in tier |
| NIM |
5.3%
-0.8% YoY-0.5% QoQ
|
+1.7% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
56.5%
-2.1% YoY-2.3% QoQ
|
-20.6% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
3.6%
+37.0% YoY+34.8% QoQ
|
+2.7 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Top 1.4% in tier |
| Loan To Share |
72.0%
-15.3% YoY-4.9% QoQ
|
-0.3% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$21,053
-7.5% YoY-1.6% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
10.6%
-16.3% YoY-12.6% QoQ
|
-13.8% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
12.5%
-34.3% YoY-9.2% QoQ
|
-1.3% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)