BlastPoint's Credit Union Scorecard

BURLINGTON MUNICIPAL EMPLOYEES

Charter #65239 · IA

2556 CUs in <100M nationally 39 in IA

BURLINGTON MUNICIPAL EMPLOYEES demonstrates 7 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.59% above tier average
  • + Net Interest Margin 0.32% 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 4.9% in tier
  • + Loan-to-Share Ratio: Top 6.9% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 642
-1.8% YoY+0.3% QoQ
-2.0K 2,615
-1.9% YoY
24,743
-0.2% YoY
33,374
+5.7% YoY
18%
Assets $4.6M
+2.9% YoY-0.5% QoQ
$-25.5M $30.1M
+2.1% YoY
$526.3M
+6.5% YoY
$561.6M
+9.7% YoY
18%
Loans $3.7M
+5.9% YoY-0.7% QoQ
$-12.1M $15.8M
-1.3% YoY
$422.1M
+6.5% YoY
$397.0M
+8.8% YoY
27%
Deposits $3.9M
+1.6% YoY-0.9% QoQ
$-21.8M $25.7M
+1.4% YoY
$432.9M
+5.9% YoY
$477.3M
+9.7% YoY
19%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.2%
+40.3% YoY+0.1% QoQ
+0.6% 0.6%
+10.8% YoY
0.9%
+6.1% YoY
0.7%
+15.9% YoY
75%
NIM 4.3%
+12.9% YoY+0.7% QoQ
+0.3% 4.0%
+4.0% YoY
3.9%
+6.4% YoY
3.8%
+5.1% YoY
65%
Efficiency Ratio 65.8%
-7.3% YoY-0.4% QoQ
-16.8% 82.6%
-2.3% YoY
74.3%
-0.8% YoY
79.7%
-3.3% YoY
19%
Delinquency Rate 1.2%
+121.0% YoY-10.7% QoQ
-0.3 1.6%
-3.1% YoY
1.4%
+32.5% YoY
1.3%
-2.1% YoY
66%
Loan To Share 94.4%
+4.3% YoY+0.2% QoQ
+33.8% 60.6%
-3.1% YoY
76.3%
-0.8% YoY
67.4%
-1.7% YoY
Top 7.0% in tier
AMR $11,758
+5.6% YoY-1.1% QoQ
$-3K $14,783
-1.4% YoY
$21,029
+4.7% YoY
$19,687
+2.0% YoY
38%
CD Concentration 0.0% -24.4% 24.4% 22.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.2% 7.8% 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 2556 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
126
Net Charge-Off Rate
risk
Value: -0.04%
Peer Median: -
#126 of 2556 Top 4.9% in <100M tier
178
Loan-to-Share Ratio
balance_sheet
Value: 94.40%
Peer Median: -
#178 of 2556 Top 6.9% in <100M tier
487
Loan Growth Rate
growth
Value: 5.92%
Peer Median: -
#487 of 2556 Top 19.0% in <100M tier
494
Efficiency Ratio
profitability
Value: 65.78%
Peer Median: -
#494 of 2556 Top 19.3% in <100M tier
620
AMR Growth Rate
growth
Value: 5.57%
Peer Median: -
#620 of 2556 Top 24.2% in <100M tier

Top Weaknesses (4 metrics)

2261
Fee Income Per Member
profitability
Value: $3.55
Peer Median: -
#2261 of 2556 Bottom 11.6% in <100M tier
2108
Total Members
engagement
Value: 642
Peer Median: -
#2108 of 2556 Bottom 17.6% in <100M tier
2104
Total Assets
balance_sheet
Value: $4.60M
Peer Median: -
#2104 of 2556 Bottom 17.7% in <100M tier
2080
Total Deposits
balance_sheet
Value: $3.88M
Peer Median: -
#2080 of 2556 Bottom 18.7% in <100M tier
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