BlastPoint's Credit Union Scorecard
COMMUNITY CHOICE
Charter #65078 · IA
COMMUNITY CHOICE has 8 strengths but faces 1 concern
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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 10.2% in tier
- + Organic Growth Leader: Top 10.2% in tier
- + Wallet Share Momentum: Top 29.0% in tier
- + ROA 0.66% above tier average
- + Net Interest Margin 0.77% above tier average
- + Strong member growth: 5.2% YoY
- + Fee Income Per Member: Top 6.8% in tier
- + Total Loans: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,881
+5.2% YoY+0.6% QoQ
|
+2.4K |
51,500
+0.7% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$918.6M
+13.1% YoY+1.8% QoQ
|
+$53.0M |
$865.6M
+0.9% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$743.9M
+11.0% YoY+2.1% QoQ
|
+$148.6M |
$595.3M
+1.6% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Top 7.7% in tier |
| Deposits |
$774.2M
+11.8% YoY+1.9% QoQ
|
+$32.0M |
$742.2M
+0.6% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
1.4%
+70.8% YoY+60.5% QoQ
|
+0.7% |
0.8%
+45.0% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Top 12.0% in tier |
| NIM |
4.2%
-1.2% YoY+1.5% QoQ
|
+0.8% |
3.5%
+6.1% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Top 8.5% in tier |
| Efficiency Ratio |
72.7%
-10.5% YoY-10.0% QoQ
|
-2.8% |
75.5%
-3.4% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.5%
-3.1% YoY-18.1% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
96.1%
-0.7% YoY+0.2% QoQ
|
+15.5% |
80.6%
+0.7% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 10.3% in tier |
| AMR |
$28,174
+5.9% YoY+1.3% QoQ
|
$-734 |
$28,908
+0.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
18.1%
+21.4% YoY+1.4% QoQ
|
-6.2% | 24.3% | 21.8% | 19.8% | 27% |
| Indirect Auto % |
0.2%
-65.2% YoY-22.0% QoQ
|
-13.6% | 13.8% | 9.2% | 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 (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)