BlastPoint's Credit Union Scorecard
HOLY GHOST PARISH
Charter #65243 · IA
HOLY GHOST PARISH has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 1.4% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + AMR Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.22% below tier average
- - Member decline: -5.3% YoY
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- - Loan Growth Rate: Bottom 5.8% in tier
- - Total Loans: Bottom 9.7% 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 +17.3% year over year ($31.5M in shares and deposits).
- Membership: 853 members, -5.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.27%.
- Efficiency ratio 71.36% vs a 88.77% peer average.
- Loan-to-share ratio 2.48% 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 |
853
-5.3% YoY-1.8% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$34.9M
+15.3% YoY+2.1% QoQ
|
+$4.6M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$780,215
-21.1% YoY-14.6% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.6% in tier |
| Deposits |
$31.5M
+17.3% YoY+2.2% QoQ
|
+$5.7M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.3%
-39.9% YoY+26.6% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
17% |
| NIM |
1.0%
-22.1% YoY-0.5% QoQ
|
-2.9% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio |
71.4%
+13.5% YoY-7.9% QoQ
|
-17.4% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
2.5%
-32.8% YoY-16.4% QoQ
|
-56.4% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.6% in tier |
| AMR |
$37,823
+22.5% YoY+3.6% QoQ
|
+$23K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Top 1.4% in tier |
| 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)
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)