BlastPoint's Credit Union Scorecard
WATERLOO FIREMEN'S
Charter #65193 · IA
WATERLOO FIREMEN'S has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.32% 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
- + Efficiency Ratio: Top 5.0% in tier
- + Net Charge-Off Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 6.0% in tier
- - Total Members: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
322
-1.8% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 8.7% in tier |
| Assets |
$2.8M
+4.1% YoY-0.7% QoQ
|
$-27.1M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.5% in tier |
| Loans |
$2.1M
+3.8% YoY+4.5% QoQ
|
$-13.7M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$2.4M
+3.7% YoY-1.4% QoQ
|
$-23.0M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.5% in tier |
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| ROA |
2.0%
-16.2% YoY+1.3% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Top 8.9% in tier |
| NIM |
3.9%
+1.7% YoY+2.2% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
47.3%
+7.1% YoY+2.5% QoQ
|
-34.0% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
87.2%
+0.1% YoY+6.0% QoQ
|
+26.0% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 14.1% in tier |
| AMR |
$14,111
+5.7% YoY+1.3% QoQ
|
$-516 |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
30.5%
+16.6% YoY-0.4% QoQ
|
+6.1% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
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)