BlastPoint's Credit Union Scorecard
CLIFTY CREEK EMPLOYEES
Charter #12152 · IN
CLIFTY CREEK EMPLOYEES has 3 strengths but faces 6 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 2.4% in tier
- + AMR Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Efficiency ratio 17.50% above tier (higher cost structure)
- - Member decline: -17.8% YoY
- - Share Certificate Concentration (%): Bottom 2.2% in tier
- - Member Growth Rate: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,237
-17.8% YoY-6.4% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$16.2M
+2.1% YoY+0.9% QoQ
|
$-14.0M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$9.1M
-19.1% YoY-6.5% QoQ
|
$-6.1M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$13.4M
+3.4% YoY+1.1% QoQ
|
$-12.4M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
42% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.0%
-43.0% YoY+8.1% QoQ
|
-1.2% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.3% in tier |
| NIM |
2.8%
-6.6% YoY-4.2% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio |
108.1%
+43.7% YoY+8.9% QoQ
|
+17.5% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.6% 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 |
68.5%
-21.8% YoY-7.5% QoQ
|
+10.0% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$18,191
+13.0% YoY+4.5% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
54.7%
+11.8% YoY+3.9% QoQ
|
+30.4% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 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)