BlastPoint's Credit Union Scorecard

GREATER IOWA

Charter #64203 · IA

Community 500M-750M

167 CUs in 500M-750M nationally 3 in IA

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GREATER IOWA has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 25.9% in tier
+ Wallet Share Momentum: Top 25.9% in tier
+ Net Interest Margin 0.90% above tier average
+ Total Loans: Top 3.6% in tier
+ Loan-to-Share Ratio: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.2% in tier
- Credit Quality Pressure: Bottom 8.5% in tier
- Credit Risk Growth: Bottom 15.9% in tier
- Indirect Auto Dependency: Bottom 51.2% in tier
- ROA 0.22% below tier average
- Efficiency ratio 1.29% above tier (higher cost structure)
- Delinquency rate 0.17% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	37,958 +0.6% YoY+0.6% QoQ	-121	38,079 -4.8% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	55%
Assets	$701.5M +3.9% YoY+1.4% QoQ	+$81.8M	$619.7M -0.2% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	80%
Loans	$589.0M +10.4% YoY+2.8% QoQ	+$169.6M	$419.3M -1.4% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	Top 4.2% in tier
Deposits	$618.7M +3.8% YoY+1.5% QoQ	+$79.3M	$539.5M -0.1% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	83%

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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	0.5% +22.0% YoY-32.1% QoQ	-0.2%	0.7% +36.0% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	37%
NIM	4.4% +5.0% YoY+0.9% QoQ	+0.9%	3.5% +4.5% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	Top 6.0% in tier
Efficiency Ratio	79.7% -4.1% YoY+0.6% QoQ	+1.3%	78.4% -3.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.9% +137.1% YoY-20.9% QoQ	+0.2	0.7% -0.9% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	70%
Loan To Share	95.2% +6.4% YoY+1.3% QoQ	+17.5%	77.7% -1.2% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	Top 6.6% in tier
AMR	$31,817 +6.3% YoY+1.5% QoQ	+$5K	$26,927 +3.1% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	79%
CD Concentration	25.3% -2.9% YoY-3.2% QoQ	+1.0%	24.3%	21.8%	19.8%	54%
Indirect Auto %	33.6% -10.0% YoY-1.5% QoQ	+19.8%	13.8%	9.2%	7.7%	Bottom 13.5% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#97 of 257 • Top 25.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.32%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#345 of 491 • Top 25.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.32%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#37 of 476 • Bottom 15.9% in tier

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

Why This Signature

Loan Growth (YoY): 10.42%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.51% points

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

worse than tier avg

710 nationally

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

Credit Quality Pressure

risk

#113 of 727 • Bottom 8.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.51% points

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

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Strain

risk

#38 of 183 • Bottom 5.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.19%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 10.42%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#215 of 504 • Bottom 51.2% in tier

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

Why This Signature

Asset Growth (YoY): 3.92%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 33.59%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.56%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 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 167 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $588.96M

Peer Median: $427.27M

#7 of 167 Top 3.6% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.36%

Peer Median: 3.48%

#10 of 167 Top 5.4% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.19%

Peer Median: 79.97%

#11 of 167 Top 6.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,516

Peer Median: $11,231

#23 of 167 Top 13.2% in 500M-750M tier

Loan Growth Rate

growth

Value: 10.42%

Peer Median: 4.25%

#26 of 167 Top 15.0% in 500M-750M tier

Total Deposits

balance_sheet

Value: $618.74M

Peer Median: $543.36M

#29 of 167 Top 16.8% in 500M-750M tier

Total Assets

balance_sheet

Value: $701.48M

Peer Median: $619.16M

#33 of 167 Top 19.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $31,817

Peer Median: $25,600

#35 of 167 Top 20.4% in 500M-750M tier

Top Weaknesses (2 metrics)

139

Indirect Auto Concentration (%)

balance_sheet

Value: 33.59%

Peer Median: 10.91%

#139 of 167 Bottom 17.4% in 500M-750M tier

130

Members Per Employee (MPE)

engagement

Value: 265.441

Peer Median: 318.730

#130 of 167 Bottom 22.8% in 500M-750M tier