BlastPoint's Credit Union Scorecard
CEDAR FALLS COMMUNITY
Charter #65565 · IA
CEDAR FALLS COMMUNITY has 13 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 15.4% in tier
- + Organic Growth Engine: Top 18.5% in tier
- + Wallet Share Momentum: Top 29.7% in tier
- + Emerging Performer: Top 47.0% in tier
- + Organic Growth Leader: Top 67.8% in tier
- + ROA 0.76% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.0% in tier
- + Average Member Relationship (AMR): Top 4.3% in tier
- + Loan-to-Share Ratio: Top 4.6% in tier
- + Net Worth Ratio: Top 9.4% in tier
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.5% in tier
- - Liquidity Overhang: Bottom 97.8% in tier
- - Share Certificate Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,817
+1.7% YoY+0.1% QoQ
|
-6.6K |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$233.9M
+10.5% YoY+2.2% QoQ
|
+$2.1M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$188.1M
+13.1% YoY+4.9% QoQ
|
+$40.8M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$194.1M
+10.5% YoY+2.3% QoQ
|
$-6.7M |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
1.5%
-4.8% YoY-1.6% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 10.6% in tier |
| NIM |
3.2%
+6.9% YoY-0.2% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
50.5%
-8.4% YoY-1.8% QoQ
|
-26.5% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
0.8%
-23.1% YoY+4.5% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
96.9%
+2.4% YoY+2.6% QoQ
|
+24.7% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 4.7% in tier |
| AMR |
$43,354
+9.9% YoY+3.5% QoQ
|
+$19K |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 4.4% in tier |
| CD Concentration |
49.4%
+4.3% YoY-1.3% QoQ
|
+25.0% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)