BlastPoint's Credit Union Scorecard

NORTH IOWA COMMUNITY

Charter #64191 · IA

1077 CUs in 100M-500M nationally 17 in IA

NORTH IOWA COMMUNITY has 5 strengths but faces 4 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

+ Organic Growth Engine: Top 25.1% in tier
+ Profitability Leader: Top 63.7% in tier
+ ROA 0.54% above tier average
+ Net Interest Margin 1.12% above tier average
+ Loan-to-Share Ratio: Top 1.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.7% in tier
- Indirect Auto Dependency: Bottom 10.2% in tier
- Indirect Auto Concentration (%): Bottom 2.7% in tier
- Share Certificate Concentration (%): Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	11,422 +1.0% YoY+0.1% QoQ	-4.2K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	38%
Assets	$120.7M +1.8% YoY-1.0% QoQ	$-110.6M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	Bottom 13.6% in tier
Loans	$110.7M +5.4% YoY-0.2% QoQ	$-37.1M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	42%
Deposits	$107.5M +1.5% YoY-2.0% QoQ	$-92.8M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	16%

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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% +10.3% YoY+9.9% QoQ	+0.5%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	83%
NIM	4.7% +10.8% YoY+4.2% QoQ	+1.1%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	Top 5.7% in tier
Efficiency Ratio	69.7% -5.2% YoY-1.4% QoQ	-7.5%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	25%
Delinquency Rate	0.8% -5.7% YoY-5.2% QoQ	-0.0	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	64%
Loan To Share	103.0% +3.8% YoY+1.8% QoQ	+30.3%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	Top 1.9% in tier
AMR	$19,102 +2.4% YoY-1.2% QoQ	$-5K	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	30%
CD Concentration	39.6% -3.1% YoY-1.8% QoQ	+15.2%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	55.8% +3.9% YoY-0.8% QoQ	+41.8%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#461 of 603 • Top 25.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.00%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.33%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 55.81%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Profitability Leader

growth

#217 of 340 • Top 63.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.33%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk

#53 of 258 • Bottom 6.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 102.97%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.36%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#165 of 525 • Bottom 10.2% in tier

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

Why This Signature

Asset Growth (YoY): 1.77%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 55.81%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.00%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 102.97%

Peer Avg: -

#21 of 1077 Top 1.9% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.70%

Peer Avg: -

#61 of 1077 Top 5.6% in 100M-500M tier

181

Return on Assets (ROA)

profitability

Value: 1.33%

Peer Avg: -

#181 of 1077 Top 16.7% in 100M-500M tier

190

Members Per Employee (MPE)

engagement

Value: 407.929

Peer Avg: -

#190 of 1077 Top 17.5% in 100M-500M tier

270

Efficiency Ratio

profitability

Value: 69.75%

Peer Avg: -

#270 of 1077 Top 25.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1049

Indirect Auto Concentration (%)

balance_sheet

Value: 55.81%

Peer Avg: -

#1049 of 1077 Bottom 2.7% in 100M-500M tier

988

Share Certificate Concentration (%)

balance_sheet

Value: 39.56%

Peer Avg: -

#988 of 1077 Bottom 8.4% in 100M-500M tier

945

Fee Income Per Member

profitability

Value: $93.50

Peer Avg: -

#945 of 1077 Bottom 12.3% in 100M-500M tier

931

Total Assets

balance_sheet

Value: $120.73M

Peer Avg: -

#931 of 1077 Bottom 13.6% in 100M-500M tier

903

Total Deposits

balance_sheet

Value: $107.50M

Peer Avg: -

#903 of 1077 Bottom 16.2% in 100M-500M tier

852

Net Worth Ratio

risk

Value: 9.55%

Peer Avg: -

#852 of 1077 Bottom 21.0% in 100M-500M tier