BlastPoint's Credit Union Scorecard
S E C U
Charter #64269 · IA
S E C U has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Net Interest Margin 2.14% above tier average
- + Net Worth Ratio: Top 3.6% in tier
- + Members Per Employee (MPE): Top 4.1% in tier
- + Loan-to-Share Ratio: Top 5.3% in tier
- + Efficiency Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.06% above tier average
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Deposits: Bottom 7.6% in tier
- - Total Assets: Bottom 8.5% in tier
- - Deposit Growth Rate: Bottom 8.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits -9.0% year over year ($1.2M in shares and deposits).
- Membership: 723 members, +0.3% vs a year ago.
- Delinquency rate 2.61%.
- Return on assets 2.44%.
- Efficiency ratio 55.37% vs a 88.77% peer average.
- Loan-to-share ratio 95.39% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
723
+0.3% YoY-0.4% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$1.8M
-3.5% YoY+5.4% QoQ
|
$-28.5M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.4% in tier |
| Loans |
$1.1M
+0.0% YoY+3.9% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.2% in tier |
| Deposits |
$1.2M
-9.0% YoY+7.6% QoQ
|
$-24.6M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.5% in tier |
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| ROA |
2.4%
+14.5% YoY+6.6% QoQ
|
+0.9% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
Top 5.9% in tier |
| NIM |
6.0%
+11.2% YoY+5.6% QoQ
|
+2.1% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
55.4%
-10.0% YoY-9.3% QoQ
|
-33.4% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
2.6%
+37.2% YoY-34.6% QoQ
|
+1.1 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
85% |
| Loan To Share |
95.4%
+9.9% YoY-3.4% QoQ
|
+36.5% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 5.4% in tier |
| AMR |
$3,145
-5.1% YoY+6.2% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.6% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)