BlastPoint's Credit Union Scorecard

CEDAR FALLS COMMUNITY

Charter #65565 · IA

100M-500M

1024 CUs in 100M-500M nationally 19 in IA

CEDAR FALLS COMMUNITY has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.36% above tier average
+ Efficiency Ratio: Top 1.3% in tier
+ Loan-to-Member Ratio (LMR): Top 2.0% in tier
+ AMR Growth Rate: Top 2.2% in tier
+ Loan-to-Share Ratio: Top 2.5% in tier
+ Loan Growth Rate: Top 2.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 1.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
Shares and deposits +13.4% year over year ($210M in shares and deposits).
Membership: 8,645 members, -1.4% vs a year ago.
Delinquency rate 0.78%.
Return on assets 1.22%.
Efficiency ratio 46.41% vs a 76.73% peer average.
Loan-to-share ratio 99.21% vs a 71.54% 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	8,645 -1.4% YoY-2.5% QoQ	-6.5K	15,168 -2.6% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	22%
Assets	$251.7M +12.8% YoY+3.7% QoQ	+$19.7M	$232.0M +0.7% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	63%
Loans	$208.0M +20.2% YoY+6.7% QoQ	+$61.7M	$146.3M +0.2% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	78%
Deposits	$209.6M +13.4% YoY+4.0% QoQ	+$8.9M	$200.7M +0.2% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	61%

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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% -24.4% YoY-11.1% QoQ	+0.4%	0.9% +12.5% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	77%
NIM	3.4% +5.5% YoY+2.3% QoQ	-0.3%	3.7% +4.5% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	31%
Efficiency Ratio	46.4% -8.7% YoY-7.0% QoQ	-30.3%	76.7% -0.8% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	Top 1.3% in tier
Delinquency Rate	0.8% -3.4% YoY+3.0% QoQ	-0.1	0.9% +6.6% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	56%
Loan To Share	99.2% +6.0% YoY+2.7% QoQ	+27.7%	71.5% -0.3% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	Top 2.6% in tier
AMR	$48,309 +18.3% YoY+8.1% QoQ	+$23K	$25,107 +3.2% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	Top 3.3% in tier
CD Concentration	50.0% +2.9% YoY+1.2% QoQ	+25.5%	24.6%	21.7%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.1%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#10 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 18.32%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.4K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#29 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 18.32%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk

#10 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.21%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 20.17%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Margin Compression

decline

#31 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.22%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.62%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.39% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Membership Headwinds

decline

#411 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#490 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 20.17%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.78%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 46.41%

Peer Median: 77.26%

#14 of 1024 Top 1.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $24,059

Peer Median: $9,434

#21 of 1024 Top 2.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 18.32%

Peer Median: 3.53%

#24 of 1024 Top 2.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 99.21%

Peer Median: 73.07%

#27 of 1024 Top 2.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 20.17%

Peer Median: 3.02%

#31 of 1024 Top 2.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,309

Peer Median: $23,006

#34 of 1024 Top 3.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.39%

Peer Median: 3.58%

#39 of 1024 Top 3.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.81%

Peer Median: 4.12%

#48 of 1024 Top 4.6% in 100M-500M tier

129

Net Worth Ratio

risk

Value: 15.87%

Peer Median: 11.71%

#129 of 1024 Top 12.5% in 100M-500M tier

Top Weaknesses (2 metrics)

1007

Share Certificate Concentration (%)

balance_sheet

Value: 50.01%

Peer Median: 23.39%

#1007 of 1024 Bottom 1.8% in 100M-500M tier

795

Total Members

engagement

Value: 8,645

Peer Median: 13,128

#795 of 1024 Bottom 22.5% in 100M-500M tier