BlastPoint's Credit Union Scorecard

BURLINGTON MUNICIPAL EMPLOYEES

Charter #65239 ยท IA

2596 CUs in <100M nationally 39 in IA

BURLINGTON MUNICIPAL EMPLOYEES demonstrates 7 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.52% above tier average
  • + Net Interest Margin 0.30% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 5.7% in tier
  • + Loan-to-Share Ratio: Top 7.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 640
-0.8% YoY+31900.0% QoQ
-2.0K 2,625
-2.2% YoY
24,664
+0.3% YoY
33,089
+6.1% YoY
18%
Assets $4.6M
-0.0% YoY+0.0% QoQ
$-25.2M $29.9M
+1.1% YoY
$515.3M
+7.1% YoY
$547.7M
+7.8% YoY
18%
Loans $3.7M
+1.6% YoY+7.1% QoQ
$-12.1M $15.8M
-2.4% YoY
$418.6M
+8.3% YoY
$388.7M
+8.6% YoY
28%
Deposits $3.9M
-1.5% YoY-0.5% QoQ
$-21.5M $25.5M
+0.4% YoY
$421.4M
+6.5% YoY
$464.6M
+9.3% YoY
19%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.2%
+14.5% YoY-1.7% QoQ
+0.5% 0.7%
-731.4% YoY
1.0%
+0.3% YoY
0.7%
+273.4% YoY
71%
NIM 4.2%
+15.7% YoY+0.5% QoQ
+0.3% 3.9%
+3.8% YoY
3.8%
+3.9% YoY
3.7%
+5.0% YoY
64%
Efficiency Ratio 66.0%
-2.0% YoY+1.6% QoQ
-15.4% 81.4%
-2.4% YoY
72.0%
+0.4% YoY
79.1%
-3.3% YoY
24%
Delinquency Rate 1.4%
+356.5% YoY+842.7% QoQ
-0.1 1.5%
-2.0% YoY
1.2%
-5.8% YoY
1.2%
-0.9% YoY
70%
Loan To Share 94.2%
+3.2% YoY+7.6% QoQ
+33.0% 61.2%
-3.0% YoY
77.1%
-1.2% YoY
68.0%
-1.7% YoY
Top 7.8% in tier
AMR $11,894
+0.7% YoY-99.7% QoQ
$-3K $14,627
-2.7% YoY
$20,702
+4.3% YoY
$19,418
+1.3% YoY
39%
CD Concentration 0.0% -24.4% 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)

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 2596 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
148
Net Charge-Off Rate
risk
Value: -0.05%
Peer Avg: -
#148 of 2596 Top 5.7% in <100M tier
199
Loan-to-Share Ratio
balance_sheet
Value: 94.22%
Peer Avg: -
#199 of 2596 Top 7.6% in <100M tier
611
Efficiency Ratio
profitability
Value: 66.04%
Peer Avg: -
#611 of 2596 Top 23.5% in <100M tier

Top Weaknesses (4 metrics)

2293
Fee Income Per Member
profitability
Value: $3.09
Peer Avg: -
#2293 of 2596 Bottom 11.7% in <100M tier
2136
Total Members
engagement
Value: 640
Peer Avg: -
#2136 of 2596 Bottom 17.8% in <100M tier
2126
Total Assets
balance_sheet
Value: $4.63M
Peer Avg: -
#2126 of 2596 Bottom 18.1% in <100M tier
2105
Total Deposits
balance_sheet
Value: $3.92M
Peer Avg: -
#2105 of 2596 Bottom 19.0% in <100M tier
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