BlastPoint's Credit Union Scorecard

MADISON COUNTY

Charter #306 · IN

1069 CUs in 100M-500M nationally 19 in IN

MADISON COUNTY has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 60.1% in tier
+ Organic Growth Leader: Top 81.4% in tier
+ Emerging Performer: Top 87.8% in tier
+ ROA 0.22% above tier average
+ Net Interest Margin 1.35% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 4.7% in tier
+ Fee Income Per Member: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 74.7% in tier
- Margin Compression: Bottom 78.7% in tier
- Efficiency ratio 3.21% above tier (higher cost structure)
- Delinquency rate 0.21% above tier average
- Members Per Employee (MPE): Bottom 8.6% in tier
- Total Assets: Bottom 8.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	9,032 +1.1% YoY-0.1% QoQ	-6.4K	15,437 -2.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	24%
Assets	$112.9M +4.1% YoY-0.3% QoQ	$-118.9M	$231.9M +1.3% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	Bottom 8.6% in tier
Loans	$68.2M +3.9% YoY-0.1% QoQ	$-79.1M	$147.3M -0.1% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	Bottom 14.7% in tier
Deposits	$100.5M +3.4% YoY-0.5% QoQ	$-100.3M	$200.8M +0.8% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	Bottom 10.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -17.5% YoY-5.7% QoQ	+0.2%	0.8% +18.2% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	67%
NIM	5.0% +3.5% YoY+0.4% QoQ	+1.4%	3.6% +6.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	Top 3.1% in tier
Efficiency Ratio	80.2% +2.4% YoY+3.2% QoQ	+3.2%	77.0% -3.1% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	60%
Delinquency Rate	1.1% -48.0% YoY-21.3% QoQ	+0.2	0.9% +4.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	74%
Loan To Share	67.9% +0.5% YoY+0.4% QoQ	-4.3%	72.2% -1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	38%
AMR	$18,681 +2.5% YoY-0.3% QoQ	$-6K	$24,676 +3.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	26%
CD Concentration	4.8% +4.9% YoY-1.9% QoQ	-19.7%	24.4%	19.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#358 of 595 • Top 60.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.99%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#347 of 426 • Top 81.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#160 of 182 • Top 87.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.99%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#402 of 538 • Bottom 74.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.23%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Margin Compression

decline

#97 of 123 • Bottom 78.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.99%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.19%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | 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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.96%

Peer Median: -

#33 of 1069 Top 3.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 4.75%

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

Fee Income Per Member

profitability

Value: $304.66

Peer Median: -

#56 of 1069 Top 5.1% in 100M-500M tier

Top Weaknesses (6 metrics)

978

Members Per Employee (MPE)

engagement

Value: 220.293

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

977

Total Assets

balance_sheet

Value: $112.93M

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

954

Total Deposits

balance_sheet

Value: $100.49M

Peer Median: -

#954 of 1069 Bottom 10.9% in 100M-500M tier

912

Total Loans

balance_sheet

Value: $68.24M

Peer Median: -

#912 of 1069 Bottom 14.8% in 100M-500M tier

855

Net Charge-Off Rate

risk

Value: 0.70%

Peer Median: -

#855 of 1069 Bottom 20.1% in 100M-500M tier

815

Total Members

engagement

Value: 9,032

Peer Median: -

#815 of 1069 Bottom 23.9% in 100M-500M tier