BlastPoint's Credit Union Scorecard
JOURNEY
Charter #64361 · IA
JOURNEY has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Strong member growth: 25.8% YoY
- + Total Assets: Top 0.9% in tier
- + Member Growth Rate: Top 1.6% in tier
- + Total Deposits: Top 2.5% in tier
- + Total Loans: Top 2.8% in tier
- + Total Members: Top 6.9% in tier
- + Fee Income Per Member: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 3.1% in tier
- - Indirect Auto Concentration (%): Bottom 8.7% 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 +4.5% year over year ($80.4M in shares and deposits).
- Membership: 6,472 members, +25.8% vs a year ago.
- Delinquency rate 1.11%.
- Return on assets 1.57%.
- Efficiency ratio 61.42% vs a 88.77% peer average.
- Loan-to-share ratio 70.57% 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 |
6,472
+25.8% YoY+25.6% QoQ
|
+3.9K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 6.9% in tier |
| Assets |
$97.6M
+5.4% YoY+1.5% QoQ
|
+$67.4M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
Top 0.9% in tier |
| Loans |
$56.7M
+6.3% YoY+1.6% QoQ
|
+$41.3M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 2.9% in tier |
| Deposits |
$80.4M
+4.5% YoY+1.4% QoQ
|
+$54.6M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Top 2.5% in tier |
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| ROA |
1.6%
+8.1% YoY+4.2% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
3.8%
+6.3% YoY+3.8% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
61.4%
+1.0% YoY+2.1% QoQ
|
-27.4% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
1.1%
-31.2% YoY-19.1% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
70.6%
+1.7% YoY+0.3% QoQ
|
+11.7% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$21,179
-16.3% YoY-19.2% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
26.8%
+0.5% YoY-3.1% QoQ
|
+2.2% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
10.0%
-6.5% YoY-6.8% QoQ
|
-3.6% | 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)