BlastPoint's Credit Union Scorecard
POLK COUNTY
Charter #65039 · IA
POLK COUNTY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.10% above tier average
- + Net Interest Margin 1.88% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 6.2% in tier
- + AMR Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.4% YoY
- - Net Charge-Off Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
653
-4.4% YoY-1.4% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$5.6M
+2.7% YoY+3.0% QoQ
|
$-24.3M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$4.1M
+9.7% YoY+3.1% QoQ
|
$-11.6M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$4.3M
+2.5% YoY+3.5% QoQ
|
$-21.1M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
-12.3% YoY-7.5% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Top 13.0% in tier |
| NIM |
5.8%
+6.7% YoY+0.0% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
65.0%
-0.0% YoY-0.2% QoQ
|
-16.4% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
96.1%
+7.0% YoY-0.3% QoQ
|
+34.9% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 6.4% in tier |
| AMR |
$12,960
+10.8% YoY+4.7% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
14.9%
+31.7% YoY-2.4% QoQ
|
-9.5% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
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)