BlastPoint's Credit Union Scorecard
AFENA
Charter #12153 · IN
AFENA has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.0% in tier
- + Total Deposits: Top 1.6% in tier
- + Total Assets: Top 1.7% in tier
- + Total Members: Top 2.2% in tier
- + Fee Income Per Member: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 2.06% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,053
+1.7% YoY+0.8% QoQ
|
+6.4K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 2.3% in tier |
| Assets |
$95.2M
-2.8% YoY-4.0% QoQ
|
+$65.4M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 1.8% in tier |
| Loans |
$65.2M
-10.8% YoY-2.8% QoQ
|
+$49.5M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 1.0% in tier |
| Deposits |
$83.0M
-3.7% YoY-4.0% QoQ
|
+$57.6M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Top 1.7% in tier |
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| ROA |
0.2%
+100.0% YoY-34.2% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
3.8%
+11.1% YoY+2.9% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
83.5%
-4.5% YoY+2.5% QoQ
|
+2.1% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.5%
+97.8% YoY+53.4% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
78.6%
-7.4% YoY+1.2% QoQ
|
+17.3% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$16,378
-8.5% YoY-4.3% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
30.1%
+3.2% YoY-4.3% QoQ
|
+5.6% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
31.7%
-7.1% YoY-2.2% QoQ
|
+17.7% |
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)