BlastPoint's Credit Union Scorecard
SERVE
Charter #65150 · IA
SERVE demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Net Interest Margin 0.14% above tier average
- + Total Loans: Top 0.4% in tier
- + Total Assets: Top 0.5% in tier
- + Loan-to-Member Ratio (LMR): Top 2.1% in tier
- + Total Deposits: Top 2.7% in tier
- + Average Member Relationship (AMR): Top 3.8% in tier
- + Fee Income Per Member: Top 5.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,981
-1.5% YoY-0.5% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Top 14.0% in tier |
| Assets |
$98.5M
+1.7% YoY+0.8% QoQ
|
+$68.4M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Top 0.6% in tier |
| Loans |
$73.2M
-3.5% YoY-1.2% QoQ
|
+$57.4M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 0.5% in tier |
| Deposits |
$80.3M
+0.5% YoY+0.6% QoQ
|
+$54.6M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 2.7% in tier |
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| ROA |
1.4%
+1.2% YoY-4.0% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.1%
+8.2% YoY+1.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
67.0%
+1.1% YoY+1.8% QoQ
|
-15.6% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.9%
+130.7% YoY+36.8% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
91.2%
-3.9% YoY-1.7% QoQ
|
+30.6% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 9.1% in tier |
| AMR |
$30,803
+0.0% YoY+0.2% QoQ
|
+$16K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 3.8% in tier |
| CD Concentration |
24.9%
-4.8% YoY-2.8% QoQ
|
+0.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)