BlastPoint's Credit Union Scorecard
ST. ATHANASIUS
Charter #65136 · IA
<100M
2508 CUs in <100M nationally
37 in IA
ST. ATHANASIUS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 2.03% above tier average
- + Loan-to-Share Ratio: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.61% above tier (higher cost structure)
- - Delinquency rate 13.90% above tier average
- - Member decline: -5.0% YoY
- - Asset Growth Rate: Bottom 0.8% in tier
- - Deposit Growth Rate: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - AMR Growth Rate: Bottom 2.7% in tier
- - Total Assets: Bottom 3.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
226
-5.0% YoY-2.2% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 5.2% in tier |
| Assets |
$498,619
-22.8% YoY-0.7% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.1% in tier |
| Loans |
$395,035
-12.7% YoY-6.3% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.5% in tier |
| Deposits |
$390,260
-27.3% YoY-0.9% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.2% in tier |
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| ROA |
0.3%
-76.1% YoY+137.9% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
6.0%
+5.9% YoY-12.0% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Top 3.8% in tier |
| Efficiency Ratio |
95.2%
+20.7% YoY+11.0% QoQ
|
+4.6% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
15.4%
-53.9% YoY-47.6% QoQ
|
+13.9 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.4% in tier |
| Loan To Share |
101.2%
+20.1% YoY-5.5% QoQ
|
+42.7% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 2.9% in tier |
| AMR |
$3,475
-16.4% YoY-1.6% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.3% 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 (7 metrics)
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
70
Loan-to-Share Ratio
balance_sheet
Value:
101.22%
Peer Median: 58.72%
#70 of 2508
Top 2.8% in <100M tier
95
Net Interest Margin (NIM)
profitability
Value:
6.04%
Peer Median: 3.83%
#95 of 2508
Top 3.7% in <100M tier
439
Net Worth Ratio
risk
Value:
21.67%
Peer Median: 14.28%
#439 of 2508
Top 17.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (15 metrics)
2488
Asset Growth Rate
growth
Value:
-22.84%
Peer Median: 1.30%
#2488 of 2508
Bottom 0.8% in <100M tier
2487
Deposit Growth Rate
growth
Value:
-27.32%
Peer Median: 0.66%
#2487 of 2508
Bottom 0.9% in <100M tier
2475
Total Delinquency Rate (60+ days)
risk
Value:
15.40%
Peer Median: 0.65%
#2475 of 2508
Bottom 1.4% in <100M tier
2441
AMR Growth Rate
growth
Value:
-16.42%
Peer Median: 1.27%
#2441 of 2508
Bottom 2.7% in <100M tier
2430
Total Assets
balance_sheet
Value:
$498,619
Peer Median: $21.86M
#2430 of 2508
Bottom 3.1% in <100M tier
2428
Total Deposits
balance_sheet
Value:
$390,260
Peer Median: $18.77M
#2428 of 2508
Bottom 3.2% in <100M tier
2376
Total Members
engagement
Value:
226
Peer Median: 1,918
#2376 of 2508
Bottom 5.3% in <100M tier
2375
Average Member Relationship (AMR)
engagement
Value:
$3,475
Peer Median: $13,926
#2375 of 2508
Bottom 5.3% in <100M tier
2346
Total Loans
balance_sheet
Value:
$395,035
Peer Median: $9.48M
#2346 of 2508
Bottom 6.5% in <100M tier
2235
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,748
Peer Median: $4,923
#2235 of 2508
Bottom 10.9% in <100M tier