BlastPoint's Credit Union Scorecard
CONCORA WABASH
Charter #3006 · IN
CONCORA WABASH has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 10.33% above tier (higher cost structure)
- - Member decline: -5.3% YoY
- - Deposit Growth Rate: Bottom 5.0% in tier
- - Asset Growth Rate: Bottom 5.5% in tier
- - Total Members: Bottom 6.3% in tier
- - Total Assets: Bottom 6.5% in tier
- - Total Deposits: Bottom 6.8% in tier
- - Members Per Employee (MPE): Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
251
-5.3% YoY-2.7% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 6.3% in tier |
| Assets |
$1.2M
-9.3% YoY-11.1% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.4% in tier |
| Loans |
$1.0M
-2.3% YoY+9.4% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.5% in tier |
| Deposits |
$948,782
-11.8% YoY-13.7% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.8% in tier |
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| ROA |
0.2%
-193.3% YoY-23.7% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.4%
+28.0% YoY+8.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
92.9%
-11.2% YoY+2.4% QoQ
|
+10.3% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.2%
-70.8% YoY-7.3% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
110.3%
+10.8% YoY+26.7% QoQ
|
+49.7% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$7,949
-1.9% YoY-0.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
2.0%
+13.9% YoY+16.0% QoQ
|
-22.5% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)