BlastPoint's Credit Union Scorecard
NORTHERN INDIANA
Charter #168 · IN
NORTHERN INDIANA has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 0.39% above tier average
- + Net Charge-Off Rate: Top 3.9% in tier
- + Members Per Employee (MPE): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.82% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,597
-0.8% YoY-1.9% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$40.0M
+0.8% YoY+0.9% QoQ
|
+$9.8M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$28.5M
+5.2% YoY+3.6% QoQ
|
+$12.8M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$35.4M
-1.3% YoY+0.6% QoQ
|
+$9.7M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.8%
+68.1% YoY+158.8% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
4.3%
+14.8% YoY+4.0% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
85.4%
-3.0% YoY-4.2% QoQ
|
+2.8% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.5%
+68.3% YoY-14.4% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
80.6%
+6.6% YoY+3.0% QoQ
|
+20.0% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$11,416
+2.3% YoY+3.8% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
1.0%
+71.1% YoY+58.9% QoQ
|
-23.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
38.4%
+13.4% YoY+10.6% QoQ
|
+24.6% | 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)