BlastPoint's Credit Union Scorecard
AFENA
Charter #12153 · IN
AFENA has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.7% in tier
- + Total Assets: Top 0.9% in tier
- + Total Loans: Top 1.0% in tier
- + Total Members: Top 1.7% in tier
- + Fee Income Per Member: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Efficiency ratio 5.72% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 4.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -1.0% year over year ($85.6M in shares and deposits).
- Membership: 9,135 members, +1.7% vs a year ago.
- Delinquency rate 1.49%.
- Return on assets 0.47%.
- Efficiency ratio 94.48% vs a 88.77% peer average.
- Loan-to-share ratio 74.33% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,135
+1.7% YoY+0.4% QoQ
|
+6.5K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 1.7% in tier |
| Assets |
$97.6M
-1.6% YoY+1.5% QoQ
|
+$67.3M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Top 0.9% in tier |
| Loans |
$63.6M
-5.2% YoY+6.6% QoQ
|
+$48.2M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 1.1% in tier |
| Deposits |
$85.6M
-1.0% YoY+1.7% QoQ
|
+$59.8M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Top 0.7% in tier |
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| ROA |
0.5%
+50.2% YoY-398.4% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
3.9%
+5.5% YoY+2.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
94.5%
+16.0% YoY+1.8% QoQ
|
+5.7% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.5%
+57.1% YoY+1.0% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
74.3%
-4.2% YoY+4.8% QoQ
|
+15.4% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$16,342
-4.5% YoY+3.3% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
27.0%
-14.0% YoY-0.1% QoQ
|
+2.5% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
25.9%
-20.2% YoY-11.8% QoQ
|
+12.2% | 13.6% | 11.1% | 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)