BlastPoint's Credit Union Scorecard
5 STAR COMMUNITY
Charter #64878 · IA
5 STAR COMMUNITY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 5.8% in tier
- + Members Per Employee (MPE): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.98% below tier average
- - Net Worth Ratio: Bottom 5.5% 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 +6.9% year over year ($49.4M in shares and deposits).
- Membership: 6,752 members, +2.7% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.51%.
- Efficiency ratio 86.64% vs a 88.77% peer average.
- Loan-to-share ratio 78.31% 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 |
6,752
+2.7% YoY+0.6% QoQ
|
+4.2K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 5.9% in tier |
| Assets |
$54.5M
+7.7% YoY-0.7% QoQ
|
+$24.2M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$38.7M
+2.1% YoY-1.8% QoQ
|
+$23.2M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 11.0% in tier |
| Deposits |
$49.4M
+6.9% YoY-1.0% QoQ
|
+$23.6M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.5%
-4.4% YoY-3.1% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.6%
+4.5% YoY+1.1% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
86.6%
+5.0% YoY+3.1% QoQ
|
-2.1% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.8%
-16.8% YoY+9.1% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
78.3%
-4.5% YoY-0.9% QoQ
|
+19.4% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$13,051
+2.0% YoY-2.0% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
12.7%
+15.9% YoY-1.9% QoQ
|
-11.9% | 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)