BlastPoint's Credit Union Scorecard
ST. LUDMILA S
Charter #65062 · IA
<100M
2508 CUs in <100M nationally
37 in IA
ST. LUDMILA S has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.55% above tier average
- + Net Interest Margin 0.63% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 2.5% in tier
- + Asset Growth Rate: Top 6.0% in tier
- + Net Worth Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
- - Total Members: Bottom 1.2% in tier
- - Total Deposits: Bottom 1.9% in tier
- - Total Assets: Bottom 2.2% in tier
- - Members Per Employee (MPE): Bottom 3.8% in tier
- - Total Loans: Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 7.8% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98
-3.0% YoY-5.8% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 1.1% in tier |
| Assets |
$375,328
+11.2% YoY+0.6% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.2% in tier |
| Loans |
$219,557
-15.6% YoY+4.8% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.3% in tier |
| Deposits |
$263,567
+16.8% YoY+1.3% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.9% in tier |
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| ROA |
1.7%
+114.3% YoY+1495.8% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Top 11.0% in tier |
| NIM |
4.6%
+22.8% YoY+57.2% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
63.7%
-19.6% YoY-33.9% QoQ
|
-26.9% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
83.3%
-27.8% YoY+3.4% QoQ
|
+24.8% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 14.8% in tier |
| AMR |
$4,930
+2.5% YoY+9.2% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.7% | 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 (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
63
Deposit Growth Rate
growth
Value:
16.82%
Peer Median: 0.66%
#63 of 2508
Top 2.5% in <100M tier
151
Asset Growth Rate
growth
Value:
11.25%
Peer Median: 1.30%
#151 of 2508
Top 6.0% in <100M tier
156
Net Worth Ratio
risk
Value:
29.39%
Peer Median: 14.28%
#156 of 2508
Top 6.2% in <100M tier
276
Return on Assets (ROA)
profitability
Value:
1.69%
Peer Median: 0.61%
#276 of 2508
Top 11.0% in <100M tier
368
Loan-to-Share Ratio
balance_sheet
Value:
83.30%
Peer Median: 58.72%
#368 of 2508
Top 14.6% in <100M tier
409
Efficiency Ratio
profitability
Value:
63.72%
Peer Median: 81.45%
#409 of 2508
Top 16.3% in <100M tier
Top Weaknesses (9 metrics)
2479
Total Members
engagement
Value:
98
Peer Median: 1,918
#2479 of 2508
Bottom 1.2% in <100M tier
2461
Total Deposits
balance_sheet
Value:
$263,567
Peer Median: $18.77M
#2461 of 2508
Bottom 1.9% in <100M tier
2453
Total Assets
balance_sheet
Value:
$375,328
Peer Median: $21.86M
#2453 of 2508
Bottom 2.2% in <100M tier
2414
Members Per Employee (MPE)
engagement
Value:
49.000
Peer Median: 333.750
#2414 of 2508
Bottom 3.8% in <100M tier
2400
Total Loans
balance_sheet
Value:
$219,557
Peer Median: $9.48M
#2400 of 2508
Bottom 4.3% in <100M tier
2313
Fee Income Per Member
profitability
Value:
$0.90
Peer Median: $60.42
#2313 of 2508
Bottom 7.8% in <100M tier
2283
Average Member Relationship (AMR)
engagement
Value:
$4,930
Peer Median: $13,926
#2283 of 2508
Bottom 9.0% in <100M tier
2239
Loan Growth Rate
growth
Value:
-15.63%
Peer Median: -2.36%
#2239 of 2508
Bottom 10.8% in <100M tier
2101
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,240
Peer Median: $4,923
#2101 of 2508
Bottom 16.3% in <100M tier