BlastPoint's Credit Union Scorecard
5 STAR COMMUNITY
Charter #64878 · IA
5 STAR COMMUNITY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 1.13% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,663
+2.9% YoY+0.5% QoQ
|
+4.0K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Top 6.7% in tier |
| Assets |
$53.1M
+4.5% YoY+3.1% QoQ
|
+$22.9M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$38.9M
+5.2% YoY+0.4% QoQ
|
+$23.1M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 11.3% in tier |
| Deposits |
$47.9M
+2.7% YoY+2.6% QoQ
|
+$22.2M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
0.5%
+35.4% YoY+0.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.5%
+9.3% YoY+0.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
83.7%
-6.8% YoY+0.4% QoQ
|
+1.1% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.7%
-43.6% YoY-18.8% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
81.2%
+2.4% YoY-2.1% QoQ
|
+20.6% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$13,021
+0.9% YoY+1.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
11.8%
+18.0% YoY-3.0% QoQ
|
-12.6% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)