BlastPoint's Credit Union Scorecard

NORTH IOWA COMMUNITY

Charter #64191 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

NORTH IOWA COMMUNITY 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 0.37% above tier average
+ Net Interest Margin 2.07% above tier average
+ Loan-to-Share Ratio: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Delinquency rate 0.59% above tier average
- Fee Income Per Member: Bottom 0.3% in tier
- Indirect Auto Concentration (%): Bottom 3.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	11,339 +0.8% YoY-0.3% QoQ	-3.8K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	40%
Assets	$128.5M +3.5% YoY+3.4% QoQ	$-103.2M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	19%
Loans	$108.5M +1.3% YoY-1.0% QoQ	$-35.6M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	42%
Deposits	$115.6M +3.2% YoY+3.8% QoQ	$-85.6M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	22%

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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% +2.1% YoY-14.7% QoQ	+0.4%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	75%
NIM	5.7% +28.4% YoY+22.3% QoQ	+2.1%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	Top 0.7% in tier
Efficiency Ratio	77.7% +7.8% YoY+9.2% QoQ	-0.3%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	1.4% +156.5% YoY+47.0% QoQ	+0.6	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	Bottom 13.1% in tier
Loan To Share	93.9% -1.9% YoY-4.7% QoQ	+23.5%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	Top 5.2% in tier
AMR	$19,764 +1.5% YoY+1.7% QoQ	$-5K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	31%
CD Concentration	41.2% +5.3% YoY+0.2% QoQ	+16.9%	24.3%	21.8%	19.8%	50%
Indirect Auto %	53.8% -4.3% YoY-1.1% QoQ	+40.0%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#44 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.83% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#100 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.51%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 53.83%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.77%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Risk Growth

risk

#224 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.31%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.83% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Strain

risk

#118 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.91%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.31%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Cost Spiral

risk

#82 of 83 • 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: 5.65% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 52.59%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 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 1070 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.71%

Peer Median: 3.62%

#7 of 1070 Top 0.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.91%

Peer Median: 71.88%

#56 of 1070 Top 5.1% in 100M-500M tier

236

Members Per Employee (MPE)

engagement

Value: 391.000

Peer Median: 309.176

#236 of 1070 Top 22.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1068

Fee Income Per Member

profitability

Value: $-50.14

Peer Median: $154.95

#1068 of 1070 Bottom 0.3% in 100M-500M tier

1037

Indirect Auto Concentration (%)

balance_sheet

Value: 53.83%

Peer Median: 6.61%

#1037 of 1070 Bottom 3.2% in 100M-500M tier

1001

Share Certificate Concentration (%)

balance_sheet

Value: 41.22%

Peer Median: 23.10%

#1001 of 1070 Bottom 6.5% in 100M-500M tier

931

Total Delinquency Rate (60+ days)

risk

Value: 1.37%

Peer Median: 0.61%

#931 of 1070 Bottom 13.1% in 100M-500M tier

871

Total Assets

balance_sheet

Value: $128.52M

Peer Median: $196.57M

#871 of 1070 Bottom 18.7% in 100M-500M tier

846

Net Worth Ratio

risk

Value: 9.49%

Peer Median: 11.45%

#846 of 1070 Bottom 21.0% in 100M-500M tier

840

Total Deposits

balance_sheet

Value: $115.57M

Peer Median: $171.29M

#840 of 1070 Bottom 21.6% in 100M-500M tier