BlastPoint's Credit Union Scorecard
PREMIER
Charter #64271 · IA
PREMIER has 8 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 1.1% in tier
- + Wallet Share Momentum: Top 1.4% in tier
- + AMR Growth Rate: Top 0.5% in tier
- + Total Loans: Top 3.8% in tier
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
- + Loan-to-Share Ratio: Top 5.2% in tier
- + Average Member Relationship (AMR): Top 5.8% in tier
- + Deposit Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 1.8% in tier
- - Stagnation Risk: Bottom 28.6% in tier
- - Liquidity Strain: Bottom 31.3% in tier
- - Efficiency Drag: Bottom 84.7% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 4.51% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Member decline: -17.3% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - Share Certificate Concentration (%): Bottom 4.6% in tier
- - Net Worth Ratio: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,367
-17.3% YoY-7.2% QoQ
|
+929 |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$374.4M
+10.5% YoY+5.4% QoQ
|
+$142.5M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Top 14.9% in tier |
| Loans |
$323.7M
+8.1% YoY+3.4% QoQ
|
+$176.3M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 3.9% in tier |
| Deposits |
$335.0M
+11.7% YoY+7.2% QoQ
|
+$134.2M |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 12.7% in tier |
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| ROA |
0.5%
+13.2% YoY-3.1% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.0%
+15.5% YoY-3.2% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
81.5%
+2.4% YoY-1.5% QoQ
|
+4.5% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.1%
-15.0% YoY-1.2% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
96.6%
-3.3% YoY-3.6% QoQ
|
+24.4% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 5.3% in tier |
| AMR |
$40,243
+32.9% YoY+13.4% QoQ
|
+$16K |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 5.9% in tier |
| CD Concentration |
42.8%
+2.6% YoY+4.9% QoQ
|
+18.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
7.0%
+137.2% YoY+28.1% QoQ
|
-6.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)