BlastPoint's Credit Union Scorecard
ST. LUDMILA S
Charter #65062 · IA
2556 CUs in <100M nationally
39 in IA
ST. LUDMILA S has 7 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.2% in tier
- + Deposit Growth Rate: Top 7.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 13.86% above tier (higher cost structure)
- - Total Members: Bottom 1.4% in tier
- - Total Deposits: Bottom 2.0% in tier
- - Total Assets: Bottom 2.3% in tier
- - Members Per Employee (MPE): Bottom 4.0% in tier
- - Total Loans: Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 7.6% in tier
- - Loan Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
104
+2.0% YoY+1.0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 1.4% in tier |
| Assets |
$372,979
+8.0% YoY+5.1% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.2% in tier |
| Loans |
$209,571
-17.3% YoY-13.3% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.3% in tier |
| Deposits |
$260,077
+11.8% YoY+7.9% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.9% in tier |
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| ROA |
0.1%
-2940.8% YoY-89.3% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
3.0%
-7.7% YoY-18.6% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
96.4%
-3.7% YoY+32.6% QoQ
|
+13.9% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
80.6%
-26.1% YoY-19.6% QoQ
|
+20.0% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$4,516
-5.3% YoY-3.6% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.5% in tier |
| CD Concentration | 0.0% | -24.4% | 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 (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
160
Net Worth Ratio
risk
Value:
29.56%
Peer Median: -
#160 of 2556
Top 6.2% in <100M tier
182
Deposit Growth Rate
growth
Value:
11.81%
Peer Median: -
#182 of 2556
Top 7.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
339
Asset Growth Rate
growth
Value:
8.02%
Peer Median: -
#339 of 2556
Top 13.2% in <100M tier
425
Member Growth Rate
growth
Value:
1.96%
Peer Median: -
#425 of 2556
Top 16.6% in <100M tier
542
Loan-to-Share Ratio
balance_sheet
Value:
80.58%
Peer Median: -
#542 of 2556
Top 21.2% in <100M tier
Top Weaknesses (13 metrics)
2520
Total Members
engagement
Value:
104
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2507
Total Deposits
balance_sheet
Value:
$260,077
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2499
Total Assets
balance_sheet
Value:
$372,979
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2455
Members Per Employee (MPE)
engagement
Value:
52.000
Peer Median: -
#2455 of 2556
Bottom 4.0% in <100M tier
2446
Total Loans
balance_sheet
Value:
$209,571
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2440
Fee Income Per Member
profitability
Value:
$0.19
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2364
Average Member Relationship (AMR)
engagement
Value:
$4,516
Peer Median: -
#2364 of 2556
Bottom 7.6% in <100M tier
2352
Loan Growth Rate
growth
Value:
-17.35%
Peer Median: -
#2352 of 2556
Bottom 8.0% in <100M tier
2222
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,015
Peer Median: -
#2222 of 2556
Bottom 13.1% in <100M tier
2170
Efficiency Ratio
profitability
Value:
96.41%
Peer Median: -
#2170 of 2556
Bottom 15.1% in <100M tier