BlastPoint's Credit Union Scorecard
ST. LUDMILA S
Charter #65062 · IA
2596 CUs in <100M nationally
39 in IA
ST. LUDMILA S has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
- + Net Worth Ratio: Top 5.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.07% above tier average
- - Total Members: Bottom 1.5% in tier
- - Total Deposits: Bottom 2.1% in tier
- - Total Assets: Bottom 2.1% in tier
- - Members Per Employee (MPE): Bottom 3.9% in tier
- - Total Loans: Bottom 4.6% in tier
- - Fee Income Per Member: Bottom 5.4% in tier
- - Average Member Relationship (AMR): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
103
+3.0% YoY-1.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 1.5% in tier |
| Assets |
$354,971
+1.1% YoY+5.6% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.1% in tier |
| Loans |
$241,584
-8.4% YoY-8.4% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.6% in tier |
| Deposits |
$241,085
+2.6% YoY+8.2% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.0% in tier |
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| ROA |
1.0%
-55.0% YoY-25.5% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
3.6%
-2.9% YoY-4.3% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
72.7%
+28.1% YoY+11.9% QoQ
|
-8.7% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate | 1.6% | +0.1 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
100.2%
-10.7% YoY-15.3% QoQ
|
+39.0% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 4.1% in tier |
| AMR |
$4,686
-6.1% YoY+1.1% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.4% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
103
Loan-to-Share Ratio
balance_sheet
Value:
100.21%
Peer Avg: -
#103 of 2596
Top 3.9% in <100M tier
131
Net Worth Ratio
risk
Value:
31.81%
Peer Avg: -
#131 of 2596
Top 5.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
319
Member Growth Rate
growth
Value:
3.00%
Peer Avg: -
#319 of 2596
Top 12.2% in <100M tier
Top Weaknesses (9 metrics)
2557
Total Members
engagement
Value:
103
Peer Avg: -
#2557 of 2596
Bottom 1.5% in <100M tier
2543
Total Deposits
balance_sheet
Value:
$241,085
Peer Avg: -
#2543 of 2596
Bottom 2.1% in <100M tier
2542
Total Assets
balance_sheet
Value:
$354,971
Peer Avg: -
#2542 of 2596
Bottom 2.1% in <100M tier
2496
Members Per Employee (MPE)
engagement
Value:
51.500
Peer Avg: -
#2496 of 2596
Bottom 3.9% in <100M tier
2477
Total Loans
balance_sheet
Value:
$241,584
Peer Avg: -
#2477 of 2596
Bottom 4.6% in <100M tier
2457
Fee Income Per Member
profitability
Value:
$0.26
Peer Avg: -
#2457 of 2596
Bottom 5.4% in <100M tier
2378
Average Member Relationship (AMR)
engagement
Value:
$4,686
Peer Avg: -
#2378 of 2596
Bottom 8.4% in <100M tier
2219
AMR Growth Rate
growth
Value:
-6.06%
Peer Avg: -
#2219 of 2596
Bottom 14.6% in <100M tier
2168
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,345
Peer Avg: -
#2168 of 2596
Bottom 16.5% in <100M tier