BlastPoint's Credit Union Scorecard
GAS & ELECTRIC EMPLOYEES
Charter #65040 · IA
2556 CUs in <100M nationally
39 in IA
GAS & ELECTRIC EMPLOYEES has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Net Interest Margin 0.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.1% in tier
- + Loan-to-Share Ratio: Top 4.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 5.8% in tier
- - Fee Income Per Member: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
373
+2.2% YoY+0.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 10.1% in tier |
| Assets |
$4.3M
-2.1% YoY-1.8% QoQ
|
$-25.8M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.2M
-19.9% YoY-4.0% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$2.2M
-6.6% YoY-4.0% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.1% in tier |
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| ROA |
1.6%
+19.7% YoY-3.9% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 13.1% in tier |
| NIM |
4.3%
+2.7% YoY+1.9% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
62.7%
-8.8% YoY+3.8% QoQ
|
-19.9% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate |
0.9%
+5955.0% YoY
|
-0.6 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
99.3%
-14.2% YoY+0.1% QoQ
|
+38.7% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 4.6% in tier |
| AMR |
$11,716
-15.6% YoY-4.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
26.1%
+67.8% YoY-4.0% QoQ
|
+1.6% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
28
Net Worth Ratio
risk
Value:
49.19%
Peer Median: -
#28 of 2556
Top 1.1% in <100M tier
115
Loan-to-Share Ratio
balance_sheet
Value:
99.29%
Peer Median: -
#115 of 2556
Top 4.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
335
Return on Assets (ROA)
profitability
Value:
1.62%
Peer Median: -
#335 of 2556
Top 13.1% in <100M tier
370
Member Growth Rate
growth
Value:
2.19%
Peer Median: -
#370 of 2556
Top 14.4% in <100M tier
373
Efficiency Ratio
profitability
Value:
62.70%
Peer Median: -
#373 of 2556
Top 14.6% in <100M tier
Top Weaknesses (10 metrics)
2479
AMR Growth Rate
growth
Value:
-15.58%
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2410
Loan Growth Rate
growth
Value:
-19.86%
Peer Median: -
#2410 of 2556
Bottom 5.8% in <100M tier
2334
Fee Income Per Member
profitability
Value:
$1.85
Peer Median: -
#2334 of 2556
Bottom 8.7% in <100M tier
2297
Total Members
engagement
Value:
373
Peer Median: -
#2297 of 2556
Bottom 10.2% in <100M tier
2246
Total Deposits
balance_sheet
Value:
$2.19M
Peer Median: -
#2246 of 2556
Bottom 12.2% in <100M tier
2225
Deposit Growth Rate
growth
Value:
-6.63%
Peer Median: -
#2225 of 2556
Bottom 13.0% in <100M tier
2200
Members Per Employee (MPE)
engagement
Value:
186.500
Peer Median: -
#2200 of 2556
Bottom 14.0% in <100M tier
2127
Total Assets
balance_sheet
Value:
$4.32M
Peer Median: -
#2127 of 2556
Bottom 16.8% in <100M tier
2079
Total Loans
balance_sheet
Value:
$2.18M
Peer Median: -
#2079 of 2556
Bottom 18.7% in <100M tier
1959
Share Certificate Concentration (%)
balance_sheet
Value:
26.07%
Peer Median: -
#1959 of 2556
Bottom 23.4% in <100M tier