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BlastPoint's Credit Union Scorecard

BURLINGTON MUNICIPAL EMPLOYEES

Charter #65239 · IA

<100M
2437 CUs in <100M nationally 37 in IA

BURLINGTON MUNICIPAL EMPLOYEES has 5 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.34% above tier average
  • + Strong member growth: 32250.0% YoY
  • + Member Growth Rate: Top 0.1% in tier
  • + Net Charge-Off Rate: Top 1.9% in tier
  • + Loan-to-Share Ratio: Top 6.8% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.37% below tier average
  • - AMR Growth Rate: Bottom 0.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
  • Shares and deposits +0.2% year over year ($3.9M in shares and deposits).
  • Membership: 647 members, +32250.0% vs a year ago.
  • Delinquency rate 0.87%.
  • Return on assets 1.13%.
  • Efficiency ratio 73.67% vs a 88.77% peer average.
  • Loan-to-share ratio 92.49% vs a 58.89% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 647
+32250.0% YoY+0.6% QoQ
-1.9K 2,585
-1.7% YoY
24,364
-0.3% YoY
34,678
+6.6% YoY
18%
Assets $4.7M
+1.5% YoY-0.7% QoQ
$-25.6M $30.3M
+1.5% YoY
$535.9M
+4.3% YoY
$593.1M
+10.2% YoY
18%
Loans $3.7M
+5.9% YoY+2.1% QoQ
$-11.8M $15.5M
-1.7% YoY
$432.7M
+4.7% YoY
$418.6M
+10.1% YoY
28%
Deposits $3.9M
+0.2% YoY-1.2% QoQ
$-21.9M $25.8M
+1.1% YoY
$446.2M
+5.6% YoY
$504.8M
+10.3% YoY
18%

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Tier 1
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ROA 1.1%
-8.3% YoY+0.9% QoQ
-0.4% 1.5%
+241.5% YoY
1.0%
+7.5% YoY
1.2%
+121.4% YoY
66%
NIM 4.2%
+0.4% YoY-2.6% QoQ
+0.3% 3.9%
+0.9% YoY
3.9%
+1.8% YoY
3.8%
+2.3% YoY
67%
Efficiency Ratio 73.7%
+13.3% YoY-1.3% QoQ
-15.1% 88.8%
-6.9% YoY
73.5%
+1.3% YoY
83.0%
-5.3% YoY
33%
Delinquency Rate 0.9%
+497.2% YoY+10.6% QoQ
-0.7 1.5%
+2.1% YoY
1.1%
-7.5% YoY
1.3%
+2.6% YoY
56%
Loan To Share 92.5%
+5.7% YoY+3.3% QoQ
+33.6% 58.9%
-3.1% YoY
75.0%
-0.8% YoY
66.4%
-1.4% YoY
Top 6.9% in tier
AMR $11,745
-99.7% YoY-0.2% QoQ
$-3K $14,963
-6.8% YoY
$21,508
-71.8% YoY
$20,028
-0.9% YoY
38%
CD Concentration 0.0% -24.6% 24.6% 21.7% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 9.1% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2437 peers in tier

Top Strengths (7 metrics)

1
Member Growth Rate
growth
Value: 32250.00%
Peer Median: -1.37%
#1 of 2437 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.59%
#1 of 2437 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.77%
#1 of 2437 Top 0.1% in <100M tier
47
Net Charge-Off Rate
risk
Value: -0.54%
Peer Median: 0.18%
#47 of 2437 Top 1.9% in <100M tier
166
Loan-to-Share Ratio
balance_sheet
Value: 92.49%
Peer Median: 58.67%
#166 of 2437 Top 6.8% in <100M tier
425
Loan Growth Rate
growth
Value: 5.88%
Peer Median: -2.63%
#425 of 2437 Top 17.4% in <100M tier

Top Weaknesses (5 metrics)

2430
AMR Growth Rate
growth
Value: -99.68%
Peer Median: 1.04%
#2430 of 2437 Bottom 0.3% in <100M tier
2177
Fee Income Per Member
profitability
Value: $3.14
Peer Median: $63.89
#2177 of 2437 Bottom 10.7% in <100M tier
2007
Total Assets
balance_sheet
Value: $4.70M
Peer Median: $21.91M
#2007 of 2437 Bottom 17.7% in <100M tier
2003
Total Members
engagement
Value: 647
Peer Median: 1,902
#2003 of 2437 Bottom 17.8% in <100M tier
1990
Total Deposits
balance_sheet
Value: $3.95M
Peer Median: $18.69M
#1990 of 2437 Bottom 18.4% in <100M tier
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