BlastPoint's Credit Union Scorecard
CLIFTY CREEK EMPLOYEES
Charter #12152 · IN
CLIFTY CREEK EMPLOYEES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.61% below tier average
- - Efficiency ratio 15.36% above tier (higher cost structure)
- - Member decline: -12.0% YoY
- - Share Certificate Concentration (%): Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 3.1% in tier
- - Member Growth Rate: Bottom 4.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,329
-12.0% YoY-2.6% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$15.9M
-3.4% YoY+0.2% QoQ
|
$-14.0M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$9.8M
-27.7% YoY-8.2% QoQ
|
$-5.9M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$13.0M
-4.5% YoY+0.5% QoQ
|
$-12.5M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
-0.9%
-287.8% YoY+7.3% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.8% in tier |
| NIM |
3.0%
+13.4% YoY-1.8% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
96.7%
+19.7% YoY+17.7% QoQ
|
+15.4% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 14.0% in tier |
| Delinquency Rate |
0.1%
+703.5% YoY-72.1% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
75.6%
-24.3% YoY-8.7% QoQ
|
+14.4% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$17,160
-4.7% YoY-0.8% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
50.9%
+24.0% YoY-4.6% QoQ
|
+26.5% |
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)
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)