BlastPoint's Credit Union Scorecard

PREMIER

Charter #64271 · IA

100M-500M

1024 CUs in 100M-500M nationally 19 in IA

PREMIER has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 2.0% in tier
+ Total Loans: Top 2.8% in tier
+ Deposit Growth Rate: Top 3.1% in tier
+ Loan-to-Member Ratio (LMR): Top 3.6% in tier
+ Loan-to-Share Ratio: Top 4.0% in tier
+ Average Member Relationship (AMR): Top 5.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.51% below tier average
- Efficiency ratio 9.01% above tier (higher cost structure)
- Delinquency rate 0.21% above tier average
- Member decline: -6.5% YoY

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
Shares and deposits +14.5% year over year ($346M in shares and deposits).
Membership: 16,665 members, -6.5% vs a year ago.
Delinquency rate 1.09%.
Return on assets 0.35%.
Efficiency ratio 85.74% vs a 76.73% peer average.
Loan-to-share ratio 97.40% vs a 71.54% 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	16,665 -6.5% YoY+0.4% QoQ	+1.5K	15,168 -2.6% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	66%
Assets	$382.9M +11.2% YoY-2.8% QoQ	+$150.9M	$232.0M +0.7% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	Top 13.4% in tier
Loans	$337.4M +10.8% YoY+1.4% QoQ	+$191.2M	$146.3M +0.2% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	Top 2.9% in tier
Deposits	$346.4M +14.5% YoY-3.2% QoQ	+$145.7M	$200.7M +0.2% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	Top 10.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -25.4% YoY+124.7% QoQ	-0.5%	0.9% +12.5% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	18%
NIM	3.1% +2.9% YoY+4.5% QoQ	-0.6%	3.7% +4.5% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	17%
Efficiency Ratio	85.7% +2.7% YoY-3.2% QoQ	+9.0%	76.7% -0.8% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	78%
Delinquency Rate	1.1% -30.9% YoY+35.5% QoQ	+0.2	0.9% +6.6% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	72%
Loan To Share	97.4% -3.3% YoY+4.8% QoQ	+25.9%	71.5% -0.3% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	Top 4.1% in tier
AMR	$41,036 +20.5% YoY-1.4% QoQ	+$16K	$25,107 +3.2% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	Top 5.7% in tier
CD Concentration	41.0% -0.6% YoY-0.5% QoQ	+16.5%	24.6%	21.7%	20.0%	50%
Indirect Auto %	8.5% +106.3% YoY-0.1% QoQ	-5.1%	13.6%	9.1%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#9 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 20.46%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.8K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY

Wallet Share Momentum

growth

#24 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 20.46%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (4)

Membership Headwinds

decline

#86 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Liquidity Strain

risk

#37 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.40%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 10.80%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY

Stagnation Risk

risk

#232 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 10.80%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.09%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Efficiency Drag

risk

#324 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.74%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -6.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (11 metrics)

AMR Growth Rate

growth

Value: 20.46%

Peer Median: 3.53%

#21 of 1024 Top 2.0% in 100M-500M tier

Total Loans

balance_sheet

Value: $337.43M

Peer Median: $124.04M

#30 of 1024 Top 2.8% in 100M-500M tier

Deposit Growth Rate

growth

Value: 14.53%

Peer Median: 3.58%

#33 of 1024 Top 3.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,248

Peer Median: $9,434

#38 of 1024 Top 3.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.40%

Peer Median: 73.07%

#42 of 1024 Top 4.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $41,036

Peer Median: $23,006

#58 of 1024 Top 5.6% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.18%

Peer Median: 4.12%

#63 of 1024 Top 6.1% in 100M-500M tier

108

Total Deposits

balance_sheet

Value: $346.43M

Peer Median: $170.77M

#108 of 1024 Top 10.4% in 100M-500M tier

137

Total Assets

balance_sheet

Value: $382.88M

Peer Median: $196.38M

#137 of 1024 Top 13.3% in 100M-500M tier

146

Loan Growth Rate

growth

Value: 10.80%

Peer Median: 3.02%

#146 of 1024 Top 14.2% in 100M-500M tier

Top Weaknesses (7 metrics)

957

Member Growth Rate

growth

Value: -6.48%

Peer Median: -0.03%

#957 of 1024 Bottom 6.6% in 100M-500M tier

952

Share Certificate Concentration (%)

balance_sheet

Value: 41.04%

Peer Median: 23.39%

#952 of 1024 Bottom 7.1% in 100M-500M tier

951

Net Worth Ratio

risk

Value: 8.59%

Peer Median: 11.71%

#951 of 1024 Bottom 7.2% in 100M-500M tier

853

Net Interest Margin (NIM)

profitability

Value: 3.07%

Peer Median: 3.67%

#853 of 1024 Bottom 16.8% in 100M-500M tier

838

Return on Assets (ROA)

profitability

Value: 0.35%

Peer Median: 0.75%

#838 of 1024 Bottom 18.3% in 100M-500M tier

822

Members Per Employee (MPE)

engagement

Value: 248.731

Peer Median: 310.924

#822 of 1024 Bottom 19.8% in 100M-500M tier

802

Efficiency Ratio

profitability

Value: 85.74%

Peer Median: 77.26%

#802 of 1024 Bottom 21.8% in 100M-500M tier