BlastPoint's Credit Union Scorecard
CITIZENS COMMUNITY
Charter #66592 · IA
CITIZENS COMMUNITY has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 33.3% in tier
- + Wallet Share Momentum: Top 57.5% in tier
- + ROA 0.82% above tier average
- + Net Interest Margin 1.44% above tier average
- + First Mortgage Concentration (%): Top 2.4% in tier
- + Net Worth Ratio: Top 3.9% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.4% in tier
- - Margin Compression: Bottom 14.1% in tier
- - Liquidity Strain: Bottom 28.5% in tier
- - Liquidity Overhang: Bottom 68.4% in tier
- - Indirect Auto Concentration (%): Bottom 1.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,074
-0.4% YoY-0.4% QoQ
|
-1.6K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$240.7M
+8.0% YoY+0.0% QoQ
|
+$9.4M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
61% |
| Loans |
$174.1M
+5.6% YoY+1.0% QoQ
|
+$26.4M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$191.7M
+7.5% YoY-1.0% QoQ
|
$-8.6M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
1.6%
-8.0% YoY+24.2% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Top 9.3% in tier |
| NIM |
5.0%
+0.9% YoY+0.6% QoQ
|
+1.4% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
63.5%
+1.9% YoY-3.7% QoQ
|
-13.8% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate |
0.7%
-31.8% YoY-8.2% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
90.8%
-1.8% YoY+2.1% QoQ
|
+18.1% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 14.1% in tier |
| AMR |
$25,997
+7.0% YoY+0.4% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
19.4%
+45.8% YoY+10.7% QoQ
|
-5.1% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
71.0%
-3.1% YoY-1.1% QoQ
|
+57.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)