BlastPoint's Credit Union Scorecard
VIGO COUNTY
Charter #138 · IN
VIGO COUNTY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Net Interest Margin 0.43% above tier average
- + Total Members: Top 1.9% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.99% above tier average
- - Indirect Auto Concentration (%): Bottom 0.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,315
-0.3% YoY-0.4% QoQ
|
+6.7K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 1.9% in tier |
| Assets |
$43.4M
+6.6% YoY-0.3% QoQ
|
+$13.3M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$27.5M
-5.0% YoY-2.8% QoQ
|
+$11.7M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$38.4M
+5.1% YoY-0.8% QoQ
|
+$12.7M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
1.6%
+158.0% YoY-7.0% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 14.2% in tier |
| NIM |
4.4%
+3.6% YoY+0.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
69.1%
-16.8% YoY+2.4% QoQ
|
-13.5% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
2.5%
+98.5% YoY+45.6% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
71.5%
-9.6% YoY-2.0% QoQ
|
+10.9% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$7,075
+0.9% YoY-1.2% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
5.0%
+51.6% YoY+11.7% QoQ
|
-19.5% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
60.6%
-2.2% YoY-1.5% QoQ
|
+46.9% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)