BlastPoint's Credit Union Scorecard
CEDAR FALLS COMMUNITY
Charter #65565 · IA
CEDAR FALLS COMMUNITY has 8 strengths but faces 2 concerns
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
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.65% above tier average
- + Efficiency Ratio: Top 2.1% in tier
- + Loan-to-Member Ratio (LMR): Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Share Certificate Concentration (%): Bottom 1.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,868
+1.6% YoY+0.6% QoQ
|
-6.3K |
15,145
-2.5% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$242.7M
+11.3% YoY+3.7% QoQ
|
+$11.0M |
$231.7M
+0.8% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$194.9M
+13.7% YoY+3.6% QoQ
|
+$50.7M |
$144.1M
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$201.6M
+11.3% YoY+3.9% QoQ
|
+$488K |
$201.1M
+0.4% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
1.4%
-4.1% YoY-9.6% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Top 14.2% in tier |
| NIM |
3.3%
+6.4% YoY+3.0% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
49.9%
-9.1% YoY-1.2% QoQ
|
-28.1% |
78.0%
-1.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Top 2.1% in tier |
| Delinquency Rate |
0.8%
-8.1% YoY-7.1% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
96.6%
+2.2% YoY-0.3% QoQ
|
+26.2% |
70.4%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 3.2% in tier |
| AMR |
$44,710
+10.7% YoY+3.1% QoQ
|
+$20K |
$24,918
+2.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Top 4.1% in tier |
| CD Concentration |
49.4%
+4.3% YoY+0.1% QoQ
|
+25.2% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.7% | 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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)