BlastPoint's Credit Union Scorecard
COMMUNITY CHOICE
Charter #65078 · IA
COMMUNITY CHOICE has 6 strengths but faces 5 concerns
How does the industry compare?
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How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.5% in tier
- + Organic Growth Leader: Top 21.2% in tier
- + Wallet Share Momentum: Top 82.8% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.77% above tier average
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.2% in tier
- - Credit Risk Growth: Bottom 74.3% in tier
- - Efficiency Drag: Bottom 81.9% in tier
- - Credit Quality Pressure: Bottom 98.9% in tier
- - Efficiency ratio 6.48% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,548
+4.8% YoY+0.3% QoQ
|
+1.5K |
52,084
-1.6% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$902.7M
+11.5% YoY+4.3% QoQ
|
+$38.8M |
$863.9M
+0.5% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$728.7M
+9.6% YoY+2.0% QoQ
|
+$122.9M |
$605.8M
+1.4% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 11.1% in tier |
| Deposits |
$759.8M
+12.6% YoY+4.9% QoQ
|
+$22.5M |
$737.3M
+0.1% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.9%
+9.1% YoY-10.5% QoQ
|
+0.1% |
0.7%
+39.1% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
4.2%
+0.5% YoY-0.2% QoQ
|
+0.8% |
3.4%
+8.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 9.4% in tier |
| Efficiency Ratio |
80.8%
+1.1% YoY+2.8% QoQ
|
+6.5% |
74.3%
-3.6% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.6%
+0.7% YoY+20.1% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
95.9%
-2.7% YoY-2.7% QoQ
|
+13.3% |
82.6%
+1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$27,799
+6.0% YoY+3.2% QoQ
|
$-1K |
$28,873
+2.7% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
17.8%
+19.1% YoY-1.9% QoQ
|
-6.6% | 24.4% | 22.0% | 19.8% | 26% |
| Indirect Auto % |
0.3%
-65.2% YoY-25.2% QoQ
|
-13.5% | 13.8% | 9.2% | 7.8% | 33% |
Signature Analysis
Strengths (3)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)