BlastPoint's Credit Union Scorecard
WATERLOO FIREMEN'S
Charter #65193 · IA
WATERLOO FIREMEN'S has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Fee Income Per Member: Bottom 5.2% in tier
- - Total Members: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
321
-2.4% YoY-0.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 8.4% in tier |
| Assets |
$2.8M
-1.1% YoY-0.2% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.1% in tier |
| Loans |
$2.1M
-2.8% YoY-1.7% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$2.4M
-1.1% YoY+0.3% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-15.5% YoY-49.0% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
2.9%
+6.5% YoY-25.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
63.6%
+5.0% YoY+34.4% QoQ
|
-18.9% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
85.5%
-1.7% YoY-2.0% QoQ
|
+24.8% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 14.7% in tier |
| AMR |
$14,065
+0.6% YoY-0.3% QoQ
|
$-718 |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
28.0%
-6.7% YoY-8.4% QoQ
|
+3.5% | 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)