BlastPoint's Credit Union Scorecard
CITIZENS COMMUNITY
Charter #66592 · IA
CITIZENS COMMUNITY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 52.1% in tier
- + ROA 0.80% above tier average
- + Net Interest Margin 1.37% above tier average
- + First Mortgage Concentration (%): Top 2.4% in tier
- + Net Worth Ratio: Top 4.3% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.6% in tier
- - Liquidity Overhang: Bottom 64.9% in tier
- - Indirect Auto Concentration (%): Bottom 1.2% in tier
- - Members Per Employee (MPE): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,972
-0.2% YoY-0.7% QoQ
|
-1.5K |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$248.5M
+9.4% YoY+3.2% QoQ
|
+$16.6M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$171.8M
+4.7% YoY-1.4% QoQ
|
+$24.4M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$200.4M
+10.0% YoY+4.5% QoQ
|
$-424K |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
1.6%
+9.7% YoY-3.1% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 9.6% in tier |
| NIM |
5.0%
-1.5% YoY-0.9% QoQ
|
+1.4% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
64.6%
-2.6% YoY+1.7% QoQ
|
-12.4% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate |
0.6%
-22.7% YoY-4.4% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
85.7%
-4.8% YoY-5.6% QoQ
|
+13.5% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$26,637
+7.6% YoY+2.5% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
19.6%
+47.7% YoY+1.5% QoQ
|
-4.8% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
70.0%
-3.9% YoY-1.4% QoQ
|
+56.2% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)