BlastPoint's Credit Union Scorecard

SERVE

Charter #65150 · IA

100M-500M

1024 CUs in 100M-500M nationally 19 in IA

SERVE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.58% above tier average
+ Net Interest Margin 0.34% above tier average
+ Net Worth Ratio: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Total Deposits: Bottom 0.5% in tier
- Total Assets: Bottom 1.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
Shares and deposits +0.7% year over year ($82.2M in shares and deposits).
Membership: 4,987 members, -0.7% vs a year ago.
Delinquency rate 0.81%.
Return on assets 1.44%.
Efficiency ratio 67.15% vs a 76.73% peer average.
Loan-to-share ratio 87.15% vs a 71.54% 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	4,987 -0.7% YoY+0.2% QoQ	-10.2K	15,168 -2.6% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	Bottom 3.8% in tier
Assets	$101.3M +2.1% YoY+0.4% QoQ	$-130.7M	$232.0M +0.7% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	Bottom 0.9% in tier
Loans	$71.7M -3.9% YoY-0.8% QoQ	$-74.6M	$146.3M +0.2% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	18%
Deposits	$82.2M +0.7% YoY-0.2% QoQ	$-118.5M	$200.7M +0.2% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	Bottom 0.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +0.9% YoY+28.0% QoQ	+0.6%	0.9% +12.5% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	Top 14.5% in tier
NIM	4.0% +1.8% YoY+1.2% QoQ	+0.3%	3.7% +4.5% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	72%
Efficiency Ratio	67.2% +1.7% YoY-7.6% QoQ	-9.6%	76.7% -0.8% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	20%
Delinquency Rate	0.8% -10.0% YoY-3.1% QoQ	-0.1	0.9% +6.6% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	57%
Loan To Share	87.2% -4.5% YoY-0.6% QoQ	+15.6%	71.5% -0.3% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	80%
AMR	$30,853 -0.8% YoY-0.6% QoQ	+$6K	$25,107 +3.2% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	83%
CD Concentration	25.3% +1.7% YoY+3.2% QoQ	+0.8%	24.6%	21.7%	20.0%	50%
Indirect Auto %	0.6%	-13.0%	13.6%	9.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#315 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.74%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.90%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.81%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Liquidity Overhang

risk

#105 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.08%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 87.15%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#196 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.79%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Membership Headwinds

decline

#501 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.74%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#225 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $101.32M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.74%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.90%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#46 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.74%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -0.79%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Net Worth Ratio

risk

Value: 18.08%

Peer Median: 11.71%

#58 of 1024 Top 5.6% in 100M-500M tier

146

Loan-to-Member Ratio (LMR)

engagement

Value: $14,368

Peer Median: $9,434

#146 of 1024 Top 14.2% in 100M-500M tier

148

Return on Assets (ROA)

profitability

Value: 1.44%

Peer Median: 0.75%

#148 of 1024 Top 14.4% in 100M-500M tier

172

Average Member Relationship (AMR)

engagement

Value: $30,853

Peer Median: $23,006

#172 of 1024 Top 16.7% in 100M-500M tier

205

Efficiency Ratio

profitability

Value: 67.15%

Peer Median: 77.26%

#205 of 1024 Top 19.9% in 100M-500M tier

205

Loan-to-Share Ratio

balance_sheet

Value: 87.15%

Peer Median: 73.07%

#205 of 1024 Top 19.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1020

Total Deposits

balance_sheet

Value: $82.21M

Peer Median: $170.77M

#1020 of 1024 Bottom 0.5% in 100M-500M tier

1015

Total Assets

balance_sheet

Value: $101.32M

Peer Median: $196.38M

#1015 of 1024 Bottom 1.0% in 100M-500M tier

985

Total Members

engagement

Value: 4,987

Peer Median: 13,128

#985 of 1024 Bottom 3.9% in 100M-500M tier

889

Loan Growth Rate

growth

Value: -3.90%

Peer Median: 3.02%

#889 of 1024 Bottom 13.3% in 100M-500M tier

863

AMR Growth Rate

growth

Value: -0.79%

Peer Median: 3.53%

#863 of 1024 Bottom 15.8% in 100M-500M tier

841

Total Loans

balance_sheet

Value: $71.65M

Peer Median: $124.04M

#841 of 1024 Bottom 18.0% in 100M-500M tier