BlastPoint's Credit Union Scorecard
SERVE
Charter #65150 · IA
SERVE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Net Interest Margin 0.35% above tier average
- + Net Worth Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Delinquency rate 0.07% above tier average
- - Total Deposits: Bottom 0.5% in tier
- - Total Assets: Bottom 1.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,977
-0.9% YoY-0.1% QoQ
|
-10.2K |
15,145
-2.5% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$100.9M
+2.2% YoY+2.4% QoQ
|
$-130.8M |
$231.7M
+0.8% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.0% in tier |
| Loans |
$72.2M
-2.2% YoY-1.3% QoQ
|
$-71.9M |
$144.1M
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$82.3M
+0.9% YoY+2.6% QoQ
|
$-118.8M |
$201.1M
+0.4% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.4% in tier |
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| ROA |
1.1%
-0.0% YoY-19.9% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
4.0%
+0.9% YoY-2.6% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
72.7%
+3.9% YoY+8.5% QoQ
|
-5.4% |
78.0%
-1.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.8%
+60.4% YoY-11.6% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
87.7%
-3.1% YoY-3.8% QoQ
|
+17.3% |
70.4%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$31,050
+0.3% YoY+0.8% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
24.6%
-0.9% YoY-1.2% QoQ
|
+0.3% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)