BlastPoint's Credit Union Scorecard
ST. LUDMILA S
Charter #65062 · IA
ST. LUDMILA S has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 2.6% in tier
- + Asset Growth Rate: Top 5.6% in tier
- + Net Worth Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Member decline: -5.7% YoY
- - Total Members: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.9% in tier
- - Total Assets: Bottom 2.0% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 3.9% in tier
- - Total Loans: Bottom 4.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits +16.7% year over year ($260K in shares and deposits).
- Membership: 99 members, -5.7% vs a year ago.
- Delinquency rate 1.41%.
- Return on assets 1.21%.
- Efficiency ratio 65.73% vs a 88.77% peer average.
- Loan-to-share ratio 75.80% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
99
-5.7% YoY+1.0% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Bottom 1.1% in tier |
| Assets |
$372,447
+10.8% YoY-0.8% QoQ
|
$-29.9M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.0% in tier |
| Loans |
$197,268
-25.2% YoY-10.2% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.1% in tier |
| Deposits |
$260,247
+16.7% YoY-1.3% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.8% in tier |
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| ROA |
1.2%
-9.2% YoY-28.5% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
3.5%
-7.1% YoY-24.1% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
65.7%
+1.2% YoY+3.2% QoQ
|
-23.0% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate | 1.4% | -0.1 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
75.8%
-35.9% YoY-9.0% QoQ
|
+16.9% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$4,621
-0.3% YoY-6.3% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.7% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 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)