BlastPoint's Credit Union Scorecard

CEDAR FALLS COMMUNITY

Charter #65565 · IA

1077 CUs in 100M-500M nationally 17 in IA

CEDAR FALLS COMMUNITY has 18 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

+ Organic Growth Engine: Top 7.4% in tier
+ Relationship Depth Leader: Top 11.3% in tier
+ Organic Growth Leader: Top 20.2% in tier
+ Wallet Share Momentum: Top 24.4% in tier
+ Profitability Leader: Top 40.4% in tier
+ Emerging Performer: Top 49.0% in tier
+ ROA 0.76% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 3.2% in tier
+ Average Member Relationship (AMR): Top 4.9% in tier
+ Asset Growth Rate: Top 6.4% in tier
+ Deposit Growth Rate: Top 6.9% in tier
+ Loan-to-Share Ratio: Top 8.2% in tier
+ AMR Growth Rate: Top 8.6% in tier
+ Loan Growth Rate: Top 9.1% in tier
+ Net Worth Ratio: Top 9.5% in tier
+ Fee Income Per Member: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.3% in tier
- Liquidity Strain: Bottom 10.5% in tier
- Credit Quality Pressure: Bottom 18.2% in tier
- Liquidity Overhang: Bottom 97.7% in tier
- Share Certificate Concentration (%): Bottom 1.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	8,812 +1.9% YoY+0.5% QoQ	-6.8K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	21%
Assets	$229.0M +11.8% YoY+2.6% QoQ	$-2.3M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	58%
Loans	$179.3M +12.7% YoY+3.6% QoQ	+$31.5M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	70%
Deposits	$189.8M +12.1% YoY+2.7% QoQ	$-10.5M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	56%

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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	1.5% -3.4% YoY-4.4% QoQ	+0.8%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	Top 11.0% in tier
NIM	3.2% +6.3% YoY+0.3% QoQ	-0.4%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	27%
Efficiency Ratio	51.4% -8.3% YoY+1.1% QoQ	-25.9%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	Bottom 2.6% in tier
Delinquency Rate	0.8% +19.6% YoY-3.4% QoQ	-0.1	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	58%
Loan To Share	94.5% +0.5% YoY+0.9% QoQ	+21.8%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	Top 8.3% in tier
AMR	$41,892 +10.3% YoY+2.6% QoQ	+$18K	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	Top 5.0% in tier
CD Concentration	50.0% +8.0% YoY+3.0% QoQ	+25.6%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#137 of 603 • Top 7.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.92%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.54%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Relationship Depth Leader

growth

#30 of 257 • Top 11.3% 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): 10.27%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY

Organic Growth Leader

growth

#267 of 430 • Top 20.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.92%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth

#118 of 481 • Top 24.4% in tier

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

Why This Signature

AMR Growth (YoY): 10.27%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Profitability Leader

growth

#138 of 340 • Top 40.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.54%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.05% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Emerging Performer

growth

#94 of 191 • Top 49.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.54%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.92%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#111 of 446 • Bottom 7.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.66%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Strain

risk

#82 of 258 • Bottom 10.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.46%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 12.66%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Quality Pressure

risk

#450 of 736 • Bottom 18.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Liquidity Overhang

risk

#131 of 134 • Bottom 97.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.40%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 94.46%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 51.42%

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,349

Peer Avg: -

#36 of 1077 Top 3.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $41,892

Peer Avg: -

#54 of 1077 Top 4.9% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.85%

Peer Avg: -

#70 of 1077 Top 6.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.12%

Peer Avg: -

#75 of 1077 Top 6.9% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.46%

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.27%

Peer Avg: -

#94 of 1077 Top 8.6% in 100M-500M tier

Loan Growth Rate

growth

Value: 12.66%

Peer Avg: -

#99 of 1077 Top 9.1% in 100M-500M tier

103

Net Worth Ratio

risk

Value: 16.40%

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1063

Share Certificate Concentration (%)

balance_sheet

Value: 50.05%

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

846

Total Members

engagement

Value: 8,812

Peer Avg: -

#846 of 1077 Bottom 21.5% in 100M-500M tier

843

First Mortgage Concentration (%)

balance_sheet

Value: 44.00%

Peer Avg: -

#843 of 1077 Bottom 21.8% in 100M-500M tier

843

Members Per Employee (MPE)

engagement

Value: 259.176

Peer Avg: -

#843 of 1077 Bottom 21.8% in 100M-500M tier