BlastPoint's Credit Union Scorecard
GREATER IOWA
Charter #64203 · IA
GREATER IOWA has 5 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.8% in tier
- + Relationship Depth Leader: Top 79.7% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.86% above tier average
- + Total Loans: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.3% in tier
- - Credit Quality Pressure: Bottom 9.2% in tier
- - Indirect Auto Dependency: Bottom 10.8% in tier
- - Liquidity Strain: Bottom 13.6% in tier
- - Efficiency ratio 0.76% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,530
+3.3% YoY+1.1% QoQ
|
-1.2K |
39,752
-2.7% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$675.4M
+5.8% YoY-0.3% QoQ
|
+$53.1M |
$622.4M
+0.3% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$566.2M
+6.5% YoY+1.9% QoQ
|
+$130.3M |
$435.9M
-0.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Top 8.3% in tier |
| Deposits |
$593.8M
+5.5% YoY-0.7% QoQ
|
+$55.8M |
$538.0M
+1.3% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.7%
+55.8% YoY-0.9% QoQ
|
+0.0% |
0.7%
+33.9% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
4.3%
+26.5% YoY+2.4% QoQ
|
+0.9% |
3.4%
+8.6% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
78.9%
-2.3% YoY-1.0% QoQ
|
+0.8% |
78.1%
-3.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.0%
+54.1% YoY+127.6% QoQ
|
+0.2 |
0.8%
-4.9% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
95.4%
+0.9% YoY+2.7% QoQ
|
+14.3% |
81.0%
-1.8% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
85% |
| AMR |
$30,108
+2.6% YoY-0.5% QoQ
|
+$4K |
$26,482
+2.6% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
27.4%
+4.8% YoY+4.5% QoQ
|
+2.9% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
61% |
| Indirect Auto % |
35.2%
-10.2% YoY-2.9% QoQ
|
+21.2% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
Top 12.5% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
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)