BlastPoint's Credit Union Scorecard
CLIFTY CREEK EMPLOYEES
Charter #12152 · IN
CLIFTY CREEK EMPLOYEES has 2 strengths but faces 7 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 1.55% below tier average
- - Efficiency ratio 16.77% above tier (higher cost structure)
- - Member decline: -13.8% YoY
- - Share Certificate Concentration (%): Bottom 2.7% in tier
- - Member Growth Rate: Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 6.8% in tier
- - Net Charge-Off Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,321
-13.8% YoY-0.6% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$16.1M
+1.1% YoY+1.1% QoQ
|
$-14.1M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$9.8M
-18.3% YoY-0.5% QoQ
|
$-6.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$13.2M
+2.7% YoY+1.8% QoQ
|
$-12.5M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
-0.9%
-197.5% YoY+0.4% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.2% in tier |
| NIM |
2.9%
+7.1% YoY-1.1% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
99.3%
+50.6% YoY+2.7% QoQ
|
+16.8% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 11.7% in tier |
| Delinquency Rate |
0.0%
-96.4% YoY-52.5% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
74.0%
-20.5% YoY-2.2% QoQ
|
+13.4% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$17,404
+7.4% YoY+1.4% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
52.6%
+11.7% YoY+3.5% QoQ
|
+28.2% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)