BlastPoint's Credit Union Scorecard
H A L E
Charter #10778 · IN
<100M
2508 CUs in <100M nationally
80 in IN
H A L E has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.22% below tier average
- - Efficiency ratio 46.23% above tier (higher cost structure)
- - Member decline: -31.2% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 2.4% in tier
- - Total Deposits: Bottom 2.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
192
-31.2% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 4.4% in tier |
| Assets |
$406,766
-18.4% YoY-2.4% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.5% in tier |
| Loans |
$167,335
-31.3% YoY-6.4% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.8% in tier |
| Deposits |
$316,723
-20.7% YoY-2.7% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.4% in tier |
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| ROA |
-1.1%
+94.8% YoY-169.7% QoQ
|
-1.2% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.9% in tier |
| NIM |
3.4%
+4.5% YoY-5.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
136.9%
+24.0% YoY-10.0% QoQ
|
+46.2% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
52.8%
-13.3% YoY-3.8% QoQ
|
-5.7% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$2,521
+9.3% YoY-4.0% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
12.0%
-13.8% YoY-9.6% QoQ
|
-12.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
20
Net Charge-Off Rate
risk
Value:
-1.79%
Peer Median: 0.07%
#20 of 2508
Top 0.8% in <100M tier
275
AMR Growth Rate
growth
Value:
9.34%
Peer Median: 1.27%
#275 of 2508
Top 10.9% in <100M tier
412
Net Worth Ratio
risk
Value:
22.14%
Peer Median: 14.28%
#412 of 2508
Top 16.4% in <100M tier
Top Weaknesses (13 metrics)
2487
Member Growth Rate
growth
Value:
-31.18%
Peer Median: -1.37%
#2487 of 2508
Bottom 0.9% in <100M tier
2479
Asset Growth Rate
growth
Value:
-18.41%
Peer Median: 1.30%
#2479 of 2508
Bottom 1.2% in <100M tier
2474
Deposit Growth Rate
growth
Value:
-20.75%
Peer Median: 0.66%
#2474 of 2508
Bottom 1.4% in <100M tier
2450
Loan Growth Rate
growth
Value:
-31.32%
Peer Median: -2.36%
#2450 of 2508
Bottom 2.4% in <100M tier
2448
Total Deposits
balance_sheet
Value:
$316,723
Peer Median: $18.77M
#2448 of 2508
Bottom 2.4% in <100M tier
2446
Total Assets
balance_sheet
Value:
$406,766
Peer Median: $21.86M
#2446 of 2508
Bottom 2.5% in <100M tier
2417
Average Member Relationship (AMR)
engagement
Value:
$2,521
Peer Median: $13,926
#2417 of 2508
Bottom 3.7% in <100M tier
2413
Total Loans
balance_sheet
Value:
$167,335
Peer Median: $9.48M
#2413 of 2508
Bottom 3.8% in <100M tier
2409
Efficiency Ratio
profitability
Value:
136.87%
Peer Median: 81.45%
#2409 of 2508
Bottom 4.0% in <100M tier
2396
Total Members
engagement
Value:
192
Peer Median: 1,918
#2396 of 2508
Bottom 4.5% in <100M tier