BlastPoint's Credit Union Scorecard
H A L E
Charter #10778 · IN
<100M
2556 CUs in <100M nationally
82 in IN
H A L E has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.4% in tier
- + AMR Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 69.50% above tier (higher cost structure)
- - Member decline: -31.4% YoY
- - Member Growth Rate: Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 1.6% in tier
- - Total Assets: Bottom 2.7% in tier
- - Total Deposits: Bottom 2.7% in tier
- - Deposit Growth Rate: Bottom 2.8% in tier
- - Asset Growth Rate: Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
192
-31.4% YoY-0.5% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 4.3% in tier |
| Assets |
$416,576
-11.1% YoY-2.8% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.6% in tier |
| Loans |
$178,749
-36.5% YoY+13.5% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.0% in tier |
| Deposits |
$325,440
-15.2% YoY-2.4% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.6% in tier |
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| ROA |
1.5%
-110.2% YoY-53.2% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 15.0% in tier |
| NIM |
3.6%
+1.7% YoY+7.7% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
152.1%
+49.1% YoY+2.9% QoQ
|
+69.5% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
54.9%
-25.1% YoY+16.3% QoQ
|
-5.7% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$2,626
+10.5% YoY+3.3% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.8% in tier |
| CD Concentration |
13.2%
-11.4% YoY-9.6% QoQ
|
-11.2% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
10
Net Charge-Off Rate
risk
Value:
-1.90%
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
238
AMR Growth Rate
growth
Value:
10.53%
Peer Median: -
#238 of 2556
Top 9.3% in <100M tier
383
Return on Assets (ROA)
profitability
Value:
1.54%
Peer Median: -
#383 of 2556
Top 14.9% in <100M tier
432
Net Worth Ratio
risk
Value:
21.88%
Peer Median: -
#432 of 2556
Top 16.9% in <100M tier
Top Weaknesses (12 metrics)
2529
Member Growth Rate
growth
Value:
-31.43%
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2517
Loan Growth Rate
growth
Value:
-36.47%
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2507
Efficiency Ratio
profitability
Value:
152.06%
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2489
Total Assets
balance_sheet
Value:
$416,576
Peer Median: -
#2489 of 2556
Bottom 2.7% in <100M tier
2489
Total Deposits
balance_sheet
Value:
$325,440
Peer Median: -
#2489 of 2556
Bottom 2.7% in <100M tier
2486
Deposit Growth Rate
growth
Value:
-15.23%
Peer Median: -
#2486 of 2556
Bottom 2.8% in <100M tier
2464
Asset Growth Rate
growth
Value:
-11.09%
Peer Median: -
#2464 of 2556
Bottom 3.6% in <100M tier
2458
Average Member Relationship (AMR)
engagement
Value:
$2,626
Peer Median: -
#2458 of 2556
Bottom 3.9% in <100M tier
2455
Total Loans
balance_sheet
Value:
$178,749
Peer Median: -
#2455 of 2556
Bottom 4.0% in <100M tier
2445
Total Members
engagement
Value:
192
Peer Median: -
#2445 of 2556
Bottom 4.4% in <100M tier