BlastPoint's Credit Union Scorecard
POLK COUNTY
Charter #65039 · IA
POLK COUNTY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
654
-3.1% YoY+0.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$5.5M
+1.2% YoY-1.4% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$4.0M
+5.4% YoY-2.8% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$4.3M
+0.8% YoY-0.9% QoQ
|
$-21.4M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.5%
-41.2% YoY-69.6% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
5.5%
+5.3% YoY-5.2% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 7.0% in tier |
| Efficiency Ratio |
74.8%
-4.9% YoY+15.0% QoQ
|
-7.8% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
1.0%
+709.7% YoY
|
-0.5 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
94.3%
+4.5% YoY-1.9% QoQ
|
+33.6% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 7.2% in tier |
| AMR |
$12,703
+6.3% YoY-2.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
16.9%
+48.7% YoY+13.4% QoQ
|
-7.5% | 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)