BlastPoint's Credit Union Scorecard
COMMUNITY CHOICE
Charter #65078 · IA
COMMUNITY CHOICE has 7 strengths but faces 3 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
- + Wallet Share Momentum: Top 36.8% in tier
- + Organic Growth Engine: Top 38.6% in tier
- + Organic Growth Leader: Top 38.6% in tier
- + ROA 0.69% above tier average
- + Net Interest Margin 0.75% above tier average
- + Fee Income Per Member: Top 5.4% in tier
- + Total Loans: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.9% in tier
- - Credit Risk Growth: Bottom 29.9% in tier
- - Credit Quality Pressure: Bottom 51.6% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Iowa.
- Shares and deposits +5.6% year over year ($784M in shares and deposits).
- Membership: 53,683 members, +1.1% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 1.53%.
- Efficiency ratio 73.06% vs a 74.54% peer average.
- Loan-to-share ratio 94.94% vs a 82.60% 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 |
53,683
+1.1% YoY-0.4% QoQ
|
+1.2K |
52,482
+1.3% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$922.9M
+6.1% YoY+0.5% QoQ
|
+$59.0M |
$863.9M
+0.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$743.9M
+7.1% YoY+0.0% QoQ
|
+$136.1M |
$607.8M
+2.1% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 7.2% in tier |
| Deposits |
$783.5M
+5.6% YoY+1.2% QoQ
|
+$43.6M |
$739.9M
+0.2% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
1.5%
+63.7% YoY+7.5% QoQ
|
+0.7% |
0.8%
+30.4% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
Top 9.9% in tier |
| NIM |
4.3%
-0.2% YoY+0.9% QoQ
|
+0.8% |
3.5%
+6.2% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Top 8.1% in tier |
| Efficiency Ratio |
73.1%
-7.0% YoY+0.4% QoQ
|
-1.5% |
74.5%
-1.4% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
0.6%
+1.5% YoY+20.2% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
94.9%
+1.5% YoY-1.2% QoQ
|
+12.3% |
82.6%
+1.9% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$28,453
+5.2% YoY+1.0% QoQ
|
$-249 |
$28,702
+0.4% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
17.8%
+7.0% YoY-1.6% QoQ
|
-6.8% | 24.6% | 21.7% | 20.0% | 26% |
| Indirect Auto % |
0.2%
-64.4% YoY-23.4% QoQ
|
-13.5% | 13.6% | 9.1% | 7.7% | 32% |
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 (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)