BlastPoint's Credit Union Scorecard
NORTH IOWA COMMUNITY
Charter #64191 · IA
NORTH IOWA COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 1.56% above tier average
- + Loan-to-Share Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
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 +3.4% year over year ($113M in shares and deposits).
- Membership: 11,338 members, -0.6% vs a year ago.
- Delinquency rate 1.00%.
- Return on assets 0.97%.
- Efficiency ratio 75.88% vs a 76.73% peer average.
- Loan-to-share ratio 99.11% 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 |
11,338
-0.6% YoY-0.0% QoQ
|
-3.8K |
15,168
-2.6% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$127.8M
+4.8% YoY-0.5% QoQ
|
$-104.2M |
$232.0M
+0.7% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$112.4M
+1.3% YoY+3.6% QoQ
|
$-33.9M |
$146.3M
+0.2% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$113.4M
+3.4% YoY-1.9% QoQ
|
$-87.3M |
$200.7M
+0.2% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.0%
-19.9% YoY-11.9% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
5.2%
+16.3% YoY-8.1% QoQ
|
+1.6% |
3.7%
+4.5% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
75.9%
+7.3% YoY-2.4% QoQ
|
-0.9% |
76.7%
-0.8% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
1.0%
+11.2% YoY-27.2% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
99.1%
-2.1% YoY+5.5% QoQ
|
+27.6% |
71.5%
-0.3% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 2.8% in tier |
| AMR |
$19,917
+3.0% YoY+0.8% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
40.2%
-0.2% YoY-2.5% QoQ
|
+15.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
54.0%
-4.0% YoY+0.4% QoQ
|
+40.4% | 13.6% | 9.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)