BlastPoint's Credit Union Scorecard

HAYNES COMMUNITY

Charter #5773 · IN

2556 CUs in <100M nationally 82 in IN

HAYNES COMMUNITY has 1 strength but faces 3 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

+ ROA 0.15% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.69% above tier average
- Member decline: -3.0% YoY
- Indirect Auto Concentration (%): Bottom 0.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	4,019 -3.0% YoY-1.3% QoQ	+1.4K	2,615 -1.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	79%
Assets	$41.2M +1.2% YoY+3.9% QoQ	+$11.1M	$30.1M +2.1% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	70%
Loans	$30.3M -9.2% YoY-4.7% QoQ	+$14.5M	$15.8M -1.3% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	83%
Deposits	$36.3M -0.4% YoY+3.4% QoQ	+$10.6M	$25.7M +1.4% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	72%

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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	0.8% +135.0% YoY-14.8% QoQ	+0.1%	0.6% +10.8% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	55%
NIM	3.4% +21.1% YoY-3.6% QoQ	-0.6%	4.0% +4.0% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	30%
Efficiency Ratio	82.5% -3.2% YoY+4.1% QoQ	-0.0%	82.6% -2.3% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	57%
Delinquency Rate	2.2% +110.3% YoY+13.7% QoQ	+0.7	1.6% -3.1% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	81%
Loan To Share	83.4% -8.9% YoY-7.8% QoQ	+22.7%	60.6% -3.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	83%
AMR	$16,560 -1.7% YoY+0.8% QoQ	+$2K	$14,783 -1.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	64%
CD Concentration	25.8% +41.2% YoY+19.1% QoQ	+1.3%	24.4%	19.3%	19.8%	50%
Indirect Auto %	72.9% +0.1% YoY+0.3% QoQ	+59.1%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (5 metrics)

437

Loan-to-Share Ratio

balance_sheet

Value: 83.36%

Peer Median: -

#437 of 2556 Top 17.1% in <100M tier

445

Total Loans

balance_sheet

Value: $30.26M

Peer Median: -

#445 of 2556 Top 17.4% in <100M tier

535

Total Members

engagement

Value: 4,019

Peer Median: -

#535 of 2556 Top 20.9% in <100M tier

537

Members Per Employee (MPE)

engagement

Value: 446.556

Peer Median: -

#537 of 2556 Top 21.0% in <100M tier

551

Loan-to-Member Ratio (LMR)

engagement

Value: $7,528

Peer Median: -

#551 of 2556 Top 21.5% in <100M tier

Top Weaknesses (4 metrics)

2541

Indirect Auto Concentration (%)

balance_sheet

Value: 72.91%

Peer Median: -

#2541 of 2556 Bottom 0.6% in <100M tier

2064

Total Delinquency Rate (60+ days)

risk

Value: 2.25%

Peer Median: -

#2064 of 2556 Bottom 19.3% in <100M tier

1963

Loan Growth Rate

growth

Value: -9.22%

Peer Median: -

#1963 of 2556 Bottom 23.2% in <100M tier

1948

Share Certificate Concentration (%)

balance_sheet

Value: 25.77%

Peer Median: -

#1948 of 2556 Bottom 23.8% in <100M tier