BlastPoint's Credit Union Scorecard
CITIZENS COMMUNITY
Charter #66592 · IA
CITIZENS COMMUNITY has 4 strengths but faces 4 concerns
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% |
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| 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)
Concerns (3)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)