BlastPoint's Credit Union Scorecard

ADVANTAGE

Charter #64030 · IA

100M-500M

1024 CUs in 100M-500M nationally 19 in IA

ADVANTAGE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.20% above tier average
+ Net Interest Margin 1.24% above tier average
+ Share Certificate Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 1.51% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
Shares and deposits -0.0% year over year ($89.6M in shares and deposits).
Membership: 7,151 members, -1.3% vs a year ago.
Delinquency rate 2.39%.
Return on assets 1.06%.
Efficiency ratio 66.57% vs a 76.73% peer average.
Loan-to-share ratio 65.70% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	7,151 -1.3% YoY-0.0% QoQ	-8.0K	15,168 -2.6% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	Bottom 12.6% in tier
Assets	$106.5M +2.0% YoY+0.0% QoQ	$-125.5M	$232.0M +0.7% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	Bottom 3.9% in tier
Loans	$58.9M -15.5% YoY-3.1% QoQ	$-87.4M	$146.3M +0.2% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	Bottom 10.5% in tier
Deposits	$89.6M -0.0% YoY-0.5% QoQ	$-111.1M	$200.7M +0.2% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	Bottom 2.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -37.2% YoY-3.4% QoQ	+0.2%	0.9% +12.5% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	68%
NIM	4.9% -7.6% YoY+0.6% QoQ	+1.2%	3.7% +4.5% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	Top 3.9% in tier
Efficiency Ratio	66.6% +15.2% YoY-1.6% QoQ	-10.2%	76.7% -0.8% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	19%
Delinquency Rate	2.4% -33.9% YoY-24.1% QoQ	+1.5	0.9% +6.6% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	Bottom 4.0% in tier
Loan To Share	65.7% -15.5% YoY-2.5% QoQ	-5.8%	71.5% -0.3% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	35%
AMR	$20,761 -5.6% YoY-1.5% QoQ	$-4K	$25,107 +3.2% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	36%
CD Concentration	9.6% -12.5% YoY-1.9% QoQ	-14.9%	24.6%	21.7%	20.0%	50%
Indirect Auto %	9.8% -37.2% YoY-12.2% QoQ	-3.8%	13.6%	9.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#104 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.32%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -15.54%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 2.39%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#47 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.57%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#12 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.32%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -5.57%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Cost Spiral

risk

#41 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 8.78% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 57.79%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Margin Compression

decline

#61 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.06%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.69%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.63% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Institutional Decline

decline

#166 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $106.49M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.32%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -15.54%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#419 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.32%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.92%

Peer Median: 3.67%

#40 of 1024 Top 3.8% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 9.64%

Peer Median: 23.39%

#98 of 1024 Top 9.5% in 100M-500M tier

159

Net Worth Ratio

risk

Value: 15.31%

Peer Median: 11.71%

#159 of 1024 Top 15.4% in 100M-500M tier

193

Efficiency Ratio

profitability

Value: 66.57%

Peer Median: 77.26%

#193 of 1024 Top 18.8% in 100M-500M tier

Top Weaknesses (9 metrics)

1023

Net Charge-Off Rate

risk

Value: 3.54%

Peer Median: 0.34%

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1020

Loan Growth Rate

growth

Value: -15.54%

Peer Median: 3.02%

#1020 of 1024 Bottom 0.5% in 100M-500M tier

995

Total Deposits

balance_sheet

Value: $89.59M

Peer Median: $170.77M

#995 of 1024 Bottom 2.9% in 100M-500M tier

984

AMR Growth Rate

growth

Value: -5.57%

Peer Median: 3.53%

#984 of 1024 Bottom 4.0% in 100M-500M tier

984

Total Delinquency Rate (60+ days)

risk

Value: 2.39%

Peer Median: 0.71%

#984 of 1024 Bottom 4.0% in 100M-500M tier

984

Total Assets

balance_sheet

Value: $106.49M

Peer Median: $196.38M

#984 of 1024 Bottom 4.0% in 100M-500M tier

916

Total Loans

balance_sheet

Value: $58.87M

Peer Median: $124.04M

#916 of 1024 Bottom 10.6% in 100M-500M tier

895

Total Members

engagement

Value: 7,151

Peer Median: 13,128

#895 of 1024 Bottom 12.7% in 100M-500M tier

819

Deposit Growth Rate

growth

Value: -0.04%

Peer Median: 3.58%

#819 of 1024 Bottom 20.1% in 100M-500M tier