BlastPoint's Credit Union Scorecard
H A L E
Charter #10778 · IN
2596 CUs in <100M nationally
82 in IN
H A L E has 4 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 66.43% above tier (higher cost structure)
- - Member decline: -10.2% YoY
- - Asset Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 1.1% in tier
- - Total Deposits: Bottom 2.9% in tier
- - Total Assets: Bottom 2.9% in tier
- - Total Loans: Bottom 3.7% in tier
- - Average Member Relationship (AMR): Bottom 3.9% in tier
- - Total Members: Bottom 4.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- - Member Growth Rate: Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
193
-10.2% YoY-0.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 4.4% in tier |
| Assets |
$428,788
-42.6% YoY-4.2% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.9% in tier |
| Loans |
$157,436
-71.1% YoY-27.1% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.7% in tier |
| Deposits |
$333,347
-42.6% YoY-3.1% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.8% in tier |
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| ROA |
3.3%
+7.4% YoY-58.6% QoQ
|
+2.6% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 1.8% in tier |
| NIM |
3.3%
-12.8% YoY+10.3% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
147.8%
+378.3% YoY+29.1% QoQ
|
+66.4% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 2.5% in tier |
| Delinquency Rate |
0.5%
+24.4% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
47.2%
-49.6% YoY-24.7% QoQ
|
-14.0% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$2,543
-51.4% YoY-11.9% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
14.6%
+47.4% YoY-4.7% QoQ
|
-9.8% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
47
Return on Assets (ROA)
profitability
Value:
3.29%
Peer Avg: -
#47 of 2596
Top 1.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
406
Net Worth Ratio
risk
Value:
22.41%
Peer Avg: -
#406 of 2596
Top 15.6% in <100M tier
Top Weaknesses (13 metrics)
2582
Asset Growth Rate
growth
Value:
-42.65%
Peer Avg: -
#2582 of 2596
Bottom 0.6% in <100M tier
2580
Deposit Growth Rate
growth
Value:
-42.64%
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2575
AMR Growth Rate
growth
Value:
-51.42%
Peer Avg: -
#2575 of 2596
Bottom 0.8% in <100M tier
2569
Loan Growth Rate
growth
Value:
-71.08%
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2532
Efficiency Ratio
profitability
Value:
147.82%
Peer Avg: -
#2532 of 2596
Bottom 2.5% in <100M tier
2523
Total Deposits
balance_sheet
Value:
$333,347
Peer Avg: -
#2523 of 2596
Bottom 2.9% in <100M tier
2522
Total Assets
balance_sheet
Value:
$428,788
Peer Avg: -
#2522 of 2596
Bottom 2.9% in <100M tier
2501
Total Loans
balance_sheet
Value:
$157,436
Peer Avg: -
#2501 of 2596
Bottom 3.7% in <100M tier
2496
Average Member Relationship (AMR)
engagement
Value:
$2,543
Peer Avg: -
#2496 of 2596
Bottom 3.9% in <100M tier
2481
Total Members
engagement
Value:
193
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier