BlastPoint's Credit Union Scorecard
GAS & ELECTRIC EMPLOYEES
Charter #65040 · IA
GAS & ELECTRIC EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.91% above tier average
- + Net Interest Margin 0.38% above tier average
- + Net Worth Ratio: Top 1.0% in tier
- + Efficiency Ratio: Top 6.4% in tier
- + Loan-to-Share Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Fee Income Per Member: Bottom 8.5% in tier
- - AMR Growth Rate: Bottom 9.3% in tier
- - Total Members: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
365
-2.4% YoY-2.1% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 9.8% in tier |
| Assets |
$4.4M
-1.2% YoY+1.6% QoQ
|
$-25.8M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.1M
-15.5% YoY-5.1% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$2.2M
-5.6% YoY+2.1% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.2% in tier |
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| ROA |
2.1%
+7.3% YoY+26.8% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Top 5.9% in tier |
| NIM |
4.4%
+1.5% YoY+1.4% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
53.3%
-4.7% YoY-15.0% QoQ
|
-37.4% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Top 6.4% in tier |
| Delinquency Rate |
0.9%
-62.6% YoY-3.4% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
92.3%
-10.4% YoY-7.0% QoQ
|
+33.8% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 6.5% in tier |
| AMR |
$11,795
-8.4% YoY+0.7% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
25.7%
+3.9% YoY-1.5% QoQ
|
+1.4% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.7% | 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)