BlastPoint's Credit Union Scorecard
S E C U
Charter #64269 · IA
2556 CUs in <100M nationally
39 in IA
S E C U has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.00% above tier average
- + Net Interest Margin 1.98% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.1% in tier
- + Net Worth Ratio: Top 3.7% in tier
- + Loan-to-Share Ratio: Top 4.2% in tier
- + Members Per Employee (MPE): Top 4.2% in tier
- + Efficiency Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.07% above tier average
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Deposits: Bottom 7.7% in tier
- - Total Assets: Bottom 8.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
722
+0.3% YoY+0.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$1.8M
+5.2% YoY-8.6% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.5% in tier |
| Loans |
$1.1M
+0.1% YoY+0.1% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.1% in tier |
| Deposits |
$1.1M
+3.6% YoY-13.5% QoQ
|
$-24.6M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.6% in tier |
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| ROA |
2.6%
+8.6% YoY+3.4% QoQ
|
+2.0% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 2.5% in tier |
| NIM |
5.9%
+1.1% YoY+3.6% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
55.4%
+5.5% YoY+1.3% QoQ
|
-27.2% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate |
2.6%
+1783.5% YoY-18.2% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
99.6%
-3.3% YoY+15.8% QoQ
|
+39.0% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 4.3% in tier |
| AMR |
$3,116
+1.5% YoY-7.4% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
54
Net Charge-Off Rate
risk
Value:
-0.23%
Peer Median: -
#54 of 2556
Top 2.1% in <100M tier
63
Return on Assets (ROA)
profitability
Value:
2.62%
Peer Median: -
#63 of 2556
Top 2.4% in <100M tier
96
Net Worth Ratio
risk
Value:
35.30%
Peer Median: -
#96 of 2556
Top 3.7% in <100M tier
108
Loan-to-Share Ratio
balance_sheet
Value:
99.65%
Peer Median: -
#108 of 2556
Top 4.2% in <100M tier
108
Members Per Employee (MPE)
engagement
Value:
722.000
Peer Median: -
#108 of 2556
Top 4.2% in <100M tier
109
Net Interest Margin (NIM)
profitability
Value:
5.93%
Peer Median: -
#109 of 2556
Top 4.2% in <100M tier
192
Efficiency Ratio
profitability
Value:
55.37%
Peer Median: -
#192 of 2556
Top 7.5% in <100M tier
Top Weaknesses (8 metrics)
2439
Average Member Relationship (AMR)
engagement
Value:
$3,116
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2361
Total Deposits
balance_sheet
Value:
$1.13M
Peer Median: -
#2361 of 2556
Bottom 7.7% in <100M tier
2338
Total Assets
balance_sheet
Value:
$1.75M
Peer Median: -
#2338 of 2556
Bottom 8.6% in <100M tier
2327
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,555
Peer Median: -
#2327 of 2556
Bottom 9.0% in <100M tier
2270
Fee Income Per Member
profitability
Value:
$3.34
Peer Median: -
#2270 of 2556
Bottom 11.2% in <100M tier
2247
Total Loans
balance_sheet
Value:
$1.12M
Peer Median: -
#2247 of 2556
Bottom 12.1% in <100M tier
2153
Total Delinquency Rate (60+ days)
risk
Value:
2.62%
Peer Median: -
#2153 of 2556
Bottom 15.8% in <100M tier
2033
Total Members
engagement
Value:
722
Peer Median: -
#2033 of 2556
Bottom 20.5% in <100M tier