BlastPoint's Credit Union Scorecard
S E C U
Charter #64269 · IA
<100M
2508 CUs in <100M nationally
37 in IA
S E C U has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.14% above tier average
- + Net Interest Margin 1.71% above tier average
- + Net Worth Ratio: Top 3.1% in tier
- + Loan-to-Share Ratio: Top 3.5% in tier
- + Members Per Employee (MPE): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.48% above tier average
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 6.3% in tier
- - Total Deposits: Bottom 7.3% in tier
- - AMR Growth Rate: Bottom 7.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
- - Total Assets: Bottom 8.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
726
+1.0% YoY+0.6% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$1.7M
-4.3% YoY-2.0% QoQ
|
$-28.5M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.2% in tier |
| Loans |
$1.1M
-6.9% YoY-4.8% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.0% in tier |
| Deposits |
$1.1M
-10.4% YoY-4.0% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.2% in tier |
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| ROA |
2.3%
+36.4% YoY-12.7% QoQ
|
+2.1% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Top 4.2% in tier |
| NIM |
5.7%
+4.0% YoY-3.6% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
61.0%
-12.7% YoY+10.2% QoQ
|
-29.6% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
4.0%
+3245.8% YoY+51.9% QoQ
|
+2.5 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
98.8%
+3.9% YoY-0.9% QoQ
|
+40.3% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 3.7% in tier |
| AMR |
$2,963
-9.6% YoY-4.9% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.3% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
80
Net Worth Ratio
risk
Value:
36.60%
Peer Median: 14.28%
#80 of 2508
Top 3.1% in <100M tier
90
Loan-to-Share Ratio
balance_sheet
Value:
98.78%
Peer Median: 58.72%
#90 of 2508
Top 3.5% in <100M tier
105
Return on Assets (ROA)
profitability
Value:
2.29%
Peer Median: 0.61%
#105 of 2508
Top 4.1% in <100M tier
106
Members Per Employee (MPE)
engagement
Value:
726.000
Peer Median: 333.750
#106 of 2508
Top 4.2% in <100M tier
127
Net Interest Margin (NIM)
profitability
Value:
5.71%
Peer Median: 3.83%
#127 of 2508
Top 5.0% in <100M tier
330
Efficiency Ratio
profitability
Value:
61.03%
Peer Median: 81.45%
#330 of 2508
Top 13.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2400
Average Member Relationship (AMR)
engagement
Value:
$2,963
Peer Median: $13,926
#2400 of 2508
Bottom 4.3% in <100M tier
2352
Deposit Growth Rate
growth
Value:
-10.43%
Peer Median: 0.66%
#2352 of 2508
Bottom 6.3% in <100M tier
2327
Total Deposits
balance_sheet
Value:
$1.08M
Peer Median: $18.77M
#2327 of 2508
Bottom 7.3% in <100M tier
2314
AMR Growth Rate
growth
Value:
-9.61%
Peer Median: 1.27%
#2314 of 2508
Bottom 7.8% in <100M tier
2314
Total Delinquency Rate (60+ days)
risk
Value:
3.99%
Peer Median: 0.65%
#2314 of 2508
Bottom 7.8% in <100M tier
2302
Total Assets
balance_sheet
Value:
$1.72M
Peer Median: $21.86M
#2302 of 2508
Bottom 8.3% in <100M tier
2286
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,472
Peer Median: $4,923
#2286 of 2508
Bottom 8.9% in <100M tier
2208
Total Loans
balance_sheet
Value:
$1.07M
Peer Median: $9.48M
#2208 of 2508
Bottom 12.0% in <100M tier
2179
Fee Income Per Member
profitability
Value:
$3.56
Peer Median: $60.42
#2179 of 2508
Bottom 13.2% in <100M tier
2090
Asset Growth Rate
growth
Value:
-4.33%
Peer Median: 1.30%
#2090 of 2508
Bottom 16.7% in <100M tier