BlastPoint's Credit Union Scorecard
COMMUNITY CHOICE
Charter #65078 · IA
COMMUNITY CHOICE has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.2% in tier
- + Organic Growth Leader: Top 8.8% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.80% above tier average
- + Fee Income Per Member: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.1% in tier
- - Credit Risk Growth: Bottom 21.8% in tier
- - Credit Quality Pressure: Bottom 28.3% in tier
- - Efficiency ratio 4.10% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,383
+4.1% YoY+0.5% QoQ
|
+1.3K |
52,114
-2.1% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$865.3M
+9.4% YoY-0.5% QoQ
|
+$6.3M |
$859.0M
+0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$714.1M
+9.0% YoY+2.8% QoQ
|
+$110.8M |
$603.4M
+1.0% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$724.2M
+9.3% YoY-2.4% QoQ
|
$-9.9M |
$734.2M
+0.9% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
46% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+7.2% YoY+6.0% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.2%
+0.9% YoY-2.4% QoQ
|
+0.8% |
3.4%
+9.6% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
78.6%
+1.1% YoY+0.1% QoQ
|
+4.1% |
74.5%
-3.2% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.5%
+2.7% YoY-14.2% QoQ
|
-0.3 |
0.8%
+5.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
98.6%
-0.2% YoY+5.4% QoQ
|
+15.9% |
82.7%
+0.1% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 13.4% in tier |
| AMR |
$26,944
+4.9% YoY-0.4% QoQ
|
$-2K |
$28,651
+2.5% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
18.1%
+22.1% YoY+9.2% QoQ
|
-6.3% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
28% |
| Indirect Auto % |
0.4%
-63.0% YoY-20.5% QoQ
|
-13.6% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
34% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)