BlastPoint's Credit Union Scorecard
WATERLOO FIREMEN'S
Charter #65193 · IA
WATERLOO FIREMEN'S has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.91% above tier average
- + Net Interest Margin 0.06% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 4.5% in tier
- + Loan-to-Share Ratio: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 6.6% in tier
- - Total Members: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
322
-1.2% YoY+0.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 8.4% in tier |
| Assets |
$2.8M
+1.5% YoY+1.7% QoQ
|
$-27.4M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.2% in tier |
| Loans |
$2.2M
+7.9% YoY+7.9% QoQ
|
$-13.0M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$2.5M
+0.3% YoY+1.4% QoQ
|
$-23.3M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.4% in tier |
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| ROA |
2.1%
+35.1% YoY+101.9% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Top 5.9% in tier |
| NIM |
4.1%
+18.6% YoY+40.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
49.5%
-3.5% YoY-22.3% QoQ
|
-41.2% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
91.0%
+7.6% YoY+6.4% QoQ
|
+32.4% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 7.5% in tier |
| AMR |
$14,632
+5.1% YoY+4.0% QoQ
|
$-252 |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
28.2%
-6.9% YoY+0.8% QoQ
|
+3.9% | 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 (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)