BlastPoint's Credit Union Scorecard
JOURNEY
Charter #64361 · IA
JOURNEY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Total Assets: Top 2.7% in tier
- + Total Loans: Top 3.2% in tier
- + Fee Income Per Member: Top 3.4% in tier
- + Total Deposits: Top 4.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.3% in tier
- + Average Member Relationship (AMR): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.33% above tier average
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,151
+0.2% YoY-0.2% QoQ
|
+2.5K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Top 12.8% in tier |
| Assets |
$92.8M
+5.2% YoY+1.2% QoQ
|
+$62.6M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Top 2.7% in tier |
| Loans |
$55.8M
+6.6% YoY+1.9% QoQ
|
+$40.1M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 3.3% in tier |
| Deposits |
$76.1M
+4.2% YoY+0.9% QoQ
|
+$50.4M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 4.7% in tier |
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| ROA |
1.6%
-7.3% YoY+3.7% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 14.7% in tier |
| NIM |
3.8%
+7.8% YoY+5.2% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
60.4%
+0.3% YoY+0.3% QoQ
|
-22.2% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate |
1.9%
+23.2% YoY+18.1% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
73.3%
+2.2% YoY+1.0% QoQ
|
+12.7% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$25,611
+5.0% YoY+1.5% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 7.5% in tier |
| CD Concentration |
26.9%
+10.9% YoY-1.4% QoQ
|
+2.5% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
10.2%
+2.0% YoY+2.3% QoQ
|
-3.5% | 13.8% | 9.2% | 7.8% | 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)