BlastPoint's Credit Union Scorecard
ADVANTAGE
Charter #64030 · IA
ADVANTAGE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 1.26% above tier average
- + Share Certificate Concentration (%): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 2.37% above tier average
- - Net Charge-Off Rate: Bottom 0.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,154
-0.7% YoY-0.2% QoQ
|
-8.0K |
15,145
-2.5% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 12.2% in tier |
| Assets |
$106.5M
+1.1% YoY+2.7% QoQ
|
$-125.3M |
$231.7M
+0.8% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.6% in tier |
| Loans |
$60.7M
-16.3% YoY-3.8% QoQ
|
$-83.4M |
$144.1M
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.5% in tier |
| Deposits |
$90.1M
-0.3% YoY+2.7% QoQ
|
$-111.1M |
$201.1M
+0.4% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.6% in tier |
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| ROA |
1.1%
-33.6% YoY-43.4% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
4.9%
-8.8% YoY-8.3% QoQ
|
+1.3% |
3.6%
+4.6% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
67.6%
+7.3% YoY+19.8% QoQ
|
-10.4% |
78.0%
-1.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
3.1%
-0.7% YoY-13.3% QoQ
|
+2.4 |
0.8%
+7.1% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.6% in tier |
| Loan To Share |
67.4%
-16.0% YoY-6.3% QoQ
|
-3.0% |
70.4%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$21,078
-6.7% YoY+0.1% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
39% |
| CD Concentration |
9.8%
-19.8% YoY-7.5% QoQ
|
-14.4% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % |
11.1%
-35.3% YoY-10.7% QoQ
|
-2.7% | 13.8% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
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)