BlastPoint's Credit Union Scorecard
H A L E
Charter #10778 · IN
H A L E has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.59% above tier average
- + Net Interest Margin 1.65% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 12.35% above tier (higher cost structure)
- - Member decline: -6.2% YoY
- - Total Assets: Bottom 2.3% in tier
- - Total Deposits: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 3.4% in tier
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Total Loans: Bottom 3.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -14.3% year over year ($295K in shares and deposits).
- Membership: 182 members, -6.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 4.08%.
- Efficiency ratio 101.12% vs a 88.77% peer average.
- Loan-to-share ratio 51.77% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
-6.2% YoY-5.2% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Bottom 3.9% in tier |
| Assets |
$398,647
-10.9% YoY-2.0% QoQ
|
$-29.9M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.2% in tier |
| Loans |
$152,736
-29.3% YoY-8.7% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.5% in tier |
| Deposits |
$295,006
-14.3% YoY-6.9% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.2% in tier |
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| ROA |
4.1%
-48.7% YoY-479.4% QoQ
|
+2.6% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 2.3% in tier |
| NIM |
5.5%
+83.6% YoY+64.2% QoQ
|
+1.6% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 5.9% in tier |
| Efficiency Ratio |
101.1%
-11.7% YoY-26.1% QoQ
|
+12.4% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
51.8%
-17.5% YoY-2.0% QoQ
|
-7.1% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$2,460
-14.8% YoY-2.4% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.4% in tier |
| CD Concentration |
9.7%
-37.0% YoY-19.1% QoQ
|
-14.9% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 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)