BlastPoint's Credit Union Scorecard

CITIZENS COMMUNITY

Charter #66592 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

CITIZENS COMMUNITY has 4 strengths but faces 4 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

+ ROA 1.01% above tier average
+ Net Interest Margin 1.13% above tier average
+ First Mortgage Concentration (%): Top 2.6% in tier
+ Net Worth Ratio: Top 4.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 1.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	13,995 -0.5% YoY+0.2% QoQ	-1.2K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	54%
Assets	$253.6M +6.9% YoY+2.1% QoQ	+$21.8M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	64%
Loans	$166.5M -0.6% YoY-3.1% QoQ	+$22.3M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	68%
Deposits	$203.4M +6.6% YoY+1.5% QoQ	+$2.2M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	60%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.7% +17.3% YoY+11.5% QoQ	+1.0%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	Top 6.7% in tier
NIM	4.8% -6.1% YoY-4.4% QoQ	+1.1%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	Top 5.3% in tier
Efficiency Ratio	64.1% -2.0% YoY-0.7% QoQ	-13.9%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	Top 13.7% in tier
Delinquency Rate	0.8% +10.0% YoY+19.7% QoQ	+0.0	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	63%
Loan To Share	81.9% -6.8% YoY-4.5% QoQ	+11.4%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	73%
AMR	$26,425 +3.7% YoY-0.8% QoQ	+$2K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	68%
CD Concentration	18.9% +25.1% YoY-4.0% QoQ	-5.4%	24.3%	21.8%	19.8%	50%
Indirect Auto %	69.4% -4.1% YoY-0.8% QoQ	+55.6%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk

#11 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.89%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 69.44%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.50%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY

Liquidity Overhang

risk

#86 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.74%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 81.85%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Credit Quality Pressure

risk

#544 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (8 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 1.46%

Peer Median: 29.47%

#29 of 1070 Top 2.6% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.74%

Peer Median: 11.45%

#47 of 1070 Top 4.3% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.76%

Peer Median: 3.62%

#57 of 1070 Top 5.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.74%

Peer Median: 0.69%

#72 of 1070 Top 6.6% in 100M-500M tier

140

Fee Income Per Member

profitability

Value: $240.36

Peer Median: $154.95

#140 of 1070 Top 13.0% in 100M-500M tier

148

Efficiency Ratio

profitability

Value: 64.10%

Peer Median: 78.68%

#148 of 1070 Top 13.7% in 100M-500M tier

263

Deposit Growth Rate

growth

Value: 6.63%

Peer Median: 3.30%

#263 of 1070 Top 24.5% in 100M-500M tier

268

Loan-to-Member Ratio (LMR)

engagement

Value: $11,894

Peer Median: $9,356

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (3 metrics)

1054

Indirect Auto Concentration (%)

balance_sheet

Value: 69.44%

Peer Median: 6.61%

#1054 of 1070 Bottom 1.6% in 100M-500M tier

932

Members Per Employee (MPE)

engagement

Value: 233.250

Peer Median: 309.176

#932 of 1070 Bottom 13.0% in 100M-500M tier

841

Net Charge-Off Rate

risk

Value: 0.71%

Peer Median: 0.35%

#841 of 1070 Bottom 21.5% in 100M-500M tier