BlastPoint's Credit Union Scorecard
GREATER IOWA
Charter #64203 · IA
GREATER IOWA has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 44.6% in tier
- + Wallet Share Momentum: Top 88.3% in tier
- + Organic Growth Engine: Top 94.8% in tier
- + ROA 0.03% above tier average
- + Net Interest Margin 0.88% above tier average
- + Total Loans: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.5% in tier
- - Credit Quality Pressure: Bottom 14.6% in tier
- - Indirect Auto Dependency: Bottom 31.3% in tier
- - Liquidity Strain: Bottom 51.1% in tier
- - Efficiency ratio 1.69% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,739
+1.0% YoY-2.1% QoQ
|
-836 |
38,575
-4.8% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$691.5M
+5.8% YoY+2.4% QoQ
|
+$69.8M |
$621.7M
+0.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$572.9M
+7.8% YoY+1.2% QoQ
|
+$143.1M |
$429.8M
-1.8% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 4.8% in tier |
| Deposits |
$609.9M
+5.5% YoY+2.7% QoQ
|
+$71.2M |
$538.7M
+0.6% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.7%
+40.3% YoY-3.1% QoQ
|
+0.0% |
0.7%
+42.9% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.3%
+11.6% YoY+0.9% QoQ
|
+0.9% |
3.4%
+8.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
79.2%
-1.9% YoY+0.4% QoQ
|
+1.7% |
77.5%
-4.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.1%
+103.0% YoY+14.3% QoQ
|
+0.3 |
0.8%
-1.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
93.9%
+2.1% YoY-1.5% QoQ
|
+14.1% |
79.8%
-2.3% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 13.9% in tier |
| AMR |
$31,340
+5.6% YoY+4.1% QoQ
|
+$4K |
$26,849
+2.7% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
26.1%
+0.8% YoY-4.5% QoQ
|
+1.7% | 24.4% | 22.0% | 19.8% | 56% |
| Indirect Auto % |
34.1%
-9.1% YoY-3.1% QoQ
|
+20.3% | 13.8% | 9.2% | 7.8% | Top 13.0% in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)