BlastPoint's Credit Union Scorecard
ST. ATHANASIUS
Charter #65136 · IA
ST. ATHANASIUS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 3.81% above tier average
- + Loan-to-Share Ratio: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.13% above tier average
- - Member decline: -13.6% YoY
- - Asset Growth Rate: Bottom 0.4% in tier
- - Deposit Growth Rate: Bottom 0.4% in tier
- - Net Charge-Off Rate: Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 2.0% in tier
- - Total Deposits: Bottom 2.5% in tier
- - Total Assets: Bottom 2.6% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits -39.7% year over year ($330K in shares and deposits).
- Membership: 203 members, -13.6% vs a year ago.
- Delinquency rate 6.68%.
- Return on assets 1.63%.
- Efficiency ratio 79.33% vs a 88.77% peer average.
- Loan-to-share ratio 102.14% vs a 58.89% 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 |
203
-13.6% YoY-10.2% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Bottom 4.9% in tier |
| Assets |
$441,461
-32.9% YoY-11.5% QoQ
|
$-29.8M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.5% in tier |
| Loans |
$336,699
-20.5% YoY-14.8% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.6% in tier |
| Deposits |
$329,649
-39.7% YoY-15.5% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.5% in tier |
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| ROA |
1.6%
+15.8% YoY+450.7% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
7.7%
+17.5% YoY+27.7% QoQ
|
+3.8% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
79.3%
+21.8% YoY-16.7% QoQ
|
-9.4% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
6.7%
-34.9% YoY-56.6% QoQ
|
+5.1 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
102.1%
+31.7% YoY+0.9% QoQ
|
+43.2% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 2.7% in tier |
| AMR |
$3,283
-20.5% YoY-5.5% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.7% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)