BlastPoint's Credit Union Scorecard
EASTERN INDIANA
Charter #7066 · IN
EASTERN INDIANA demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 0.65% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,309
+0.3% YoY-0.0% QoQ
|
+2.7K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 12.0% in tier |
| Assets |
$42.4M
+4.5% YoY-2.5% QoQ
|
+$12.2M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$22.4M
+8.8% YoY+7.7% QoQ
|
+$6.7M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$36.6M
+2.9% YoY-3.3% QoQ
|
+$10.9M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
1.9%
+3.9% YoY+17.1% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 8.5% in tier |
| NIM |
4.6%
+0.8% YoY+2.0% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
63.7%
-0.8% YoY-1.9% QoQ
|
-18.9% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.8%
+11.4% YoY+26.5% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
61.3%
+5.7% YoY+11.4% QoQ
|
+0.6% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$11,118
+4.8% YoY+0.7% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
7.4%
+26.7% YoY-0.6% QoQ
|
-17.0% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
6.3%
-23.5% YoY-5.7% QoQ
|
-7.5% | 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)