BlastPoint's Credit Union Scorecard

NORTH IOWA COMMUNITY

Charter #64191 · IA

100M-500M

1069 CUs in 100M-500M nationally 17 in IA

NORTH IOWA COMMUNITY has 4 strengths but faces 6 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

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.52% above tier average
+ Net Interest Margin 1.06% above tier average
+ Loan-to-Share Ratio: Top 3.6% 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
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 2.8% in tier
- Share Certificate Concentration (%): Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	11,376 +1.5% YoY-0.4% QoQ	-4.1K	15,437 -2.9% YoY	24,743 -0.2% YoY	33,374 +5.7% YoY	39%
Assets	$124.3M +5.2% YoY+3.0% QoQ	$-107.5M	$231.9M +1.3% YoY	$526.3M +6.5% YoY	$561.6M +9.7% YoY	16%
Loans	$109.7M +5.2% YoY-0.9% QoQ	$-37.7M	$147.3M -0.1% YoY	$422.1M +6.5% YoY	$397.0M +8.8% YoY	42%
Deposits	$111.3M +4.5% YoY+3.5% QoQ	$-89.5M	$200.8M +0.8% YoY	$432.9M +5.9% YoY	$477.3M +9.7% YoY	19%

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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	1.3% +11.9% YoY-3.1% QoQ	+0.5%	0.8% +18.2% YoY	0.9% +6.1% YoY	0.7% +15.9% YoY	84%
NIM	4.7% +8.8% YoY-0.7% QoQ	+1.1%	3.6% +6.7% YoY	3.9% +6.4% YoY	3.8% +5.1% YoY	Top 6.8% in tier
Efficiency Ratio	71.2% -3.0% YoY+2.0% QoQ	-5.9%	77.0% -3.1% YoY	74.3% -0.8% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.9% +29.5% YoY+9.5% QoQ	+0.0	0.9% +4.2% YoY	1.4% +32.5% YoY	1.3% -2.1% YoY	65%
Loan To Share	98.5% +0.6% YoY-4.3% QoQ	+26.3%	72.2% -1.1% YoY	76.3% -0.8% YoY	67.4% -1.7% YoY	Top 3.6% in tier
AMR	$19,424 +3.4% YoY+1.7% QoQ	$-5K	$24,676 +3.4% YoY	$21,029 +4.7% YoY	$19,687 +2.0% YoY	30%
CD Concentration	41.1% +1.5% YoY+3.9% QoQ	+16.7%	24.4%	22.0%	19.8%	50%
Indirect Auto %	54.4% +0.4% YoY-2.5% QoQ	+40.6%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#126 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.28%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.46%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#92 of 506 • 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): 5.18%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 54.41%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.46%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Liquidity Strain

risk

#67 of 228 • 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: 98.52%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 5.19%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#347 of 705 • 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): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#236 of 456 • 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): 5.19%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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 1069 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.52%

Peer Median: -

#39 of 1069 Top 3.6% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.67%

Peer Median: -

#73 of 1069 Top 6.7% in 100M-500M tier

173

Return on Assets (ROA)

profitability

Value: 1.28%

Peer Median: -

#173 of 1069 Top 16.1% in 100M-500M tier

188

Members Per Employee (MPE)

engagement

Value: 406.286

Peer Median: -

#188 of 1069 Top 17.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1040

Indirect Auto Concentration (%)

balance_sheet

Value: 54.41%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

1005

Share Certificate Concentration (%)

balance_sheet

Value: 41.12%

Peer Median: -

#1005 of 1069 Bottom 6.1% in 100M-500M tier

923

Fee Income Per Member

profitability

Value: $100.03

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier

899

Total Assets

balance_sheet

Value: $124.34M

Peer Median: -

#899 of 1069 Bottom 16.0% in 100M-500M tier

868

Total Deposits

balance_sheet

Value: $111.31M

Peer Median: -

#868 of 1069 Bottom 18.9% in 100M-500M tier

847

Net Worth Ratio

risk

Value: 9.53%

Peer Median: -

#847 of 1069 Bottom 20.9% in 100M-500M tier