BlastPoint's Credit Union Scorecard
FORT FINANCIAL
Charter #5431 · IN
FORT FINANCIAL has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 21.1% in tier
- + ROA 0.36% above tier average
- + Net Interest Margin 0.79% above tier average
- + Total Loans: Top 7.2% in tier
- + Fee Income Per Member: Top 7.6% in tier
- + AMR Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 52.4% in tier
- - Liquidity Strain: Bottom 81.5% in tier
- - Stagnation Risk: Bottom 87.2% in tier
- - Efficiency Drag: Bottom 94.4% in tier
- - Efficiency ratio 3.49% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,589
-2.6% YoY-1.5% QoQ
|
+8.2K |
15,437
-2.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 15.0% in tier |
| Assets |
$371.1M
+8.3% YoY+2.3% QoQ
|
+$139.3M |
$231.9M
+1.3% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
85% |
| Loans |
$293.2M
+9.3% YoY+3.1% QoQ
|
+$145.8M |
$147.3M
-0.1% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 7.3% in tier |
| Deposits |
$324.7M
+7.8% YoY+2.1% QoQ
|
+$123.9M |
$200.8M
+0.8% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Top 14.2% in tier |
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| ROA |
1.1%
+59.7% YoY+1.9% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.4%
-3.4% YoY-1.5% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 12.3% in tier |
| Efficiency Ratio |
80.5%
+4.8% YoY+0.9% QoQ
|
+3.5% |
77.0%
-3.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.3%
-58.6% YoY-24.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
90.3%
+1.4% YoY+1.0% QoQ
|
+18.1% |
72.2%
-1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 13.6% in tier |
| AMR |
$26,192
+11.4% YoY+4.1% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
25.9%
+30.1% YoY+8.1% QoQ
|
+1.5% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
10.7%
-38.0% YoY-13.6% QoQ
|
-3.1% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)