BlastPoint's Credit Union Scorecard
QUAKER OATS
Charter #64991 · IA
QUAKER OATS has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.86% above tier average
- + Net Interest Margin 1.16% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,305
-2.9% YoY-0.7% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$12.9M
+5.6% YoY+3.5% QoQ
|
$-17.2M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$5.8M
-0.4% YoY-1.6% QoQ
|
$-10.0M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$10.7M
+5.0% YoY+3.8% QoQ
|
$-15.0M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
1.5%
+3.7% YoY-5.3% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
5.1%
-3.0% YoY-2.0% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
71.7%
+3.8% YoY+2.3% QoQ
|
-10.8% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
54.3%
-5.2% YoY-5.3% QoQ
|
-6.3% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$12,637
+6.1% YoY+2.6% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
2.6%
-44.5% YoY-10.4% QoQ
|
-21.9% | 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)