BlastPoint's Credit Union Scorecard
AFENA
Charter #12153 · IN
AFENA has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.4% in tier
- + Total Assets: Top 2.2% in tier
- + Total Members: Top 2.2% in tier
- + Total Deposits: Top 2.3% in tier
- + Fee Income Per Member: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Efficiency ratio 7.71% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,075
+2.3% YoY+0.2% QoQ
|
+6.5K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 2.2% in tier |
| Assets |
$94.0M
-3.1% YoY-1.2% QoQ
|
+$63.9M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Top 2.2% in tier |
| Loans |
$62.4M
-13.7% YoY-4.3% QoQ
|
+$46.6M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 1.5% in tier |
| Deposits |
$81.8M
-3.8% YoY-1.5% QoQ
|
+$56.1M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Top 2.3% in tier |
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| ROA |
-0.4%
-488.2% YoY-283.7% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.1% in tier |
| NIM |
3.9%
+13.1% YoY+3.6% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
90.3%
+1.8% YoY+8.2% QoQ
|
+7.7% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.7%
+89.5% YoY+14.6% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
76.3%
-10.3% YoY-2.9% QoQ
|
+15.7% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$15,892
-10.4% YoY-3.0% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
27.3%
-9.7% YoY-9.1% QoQ
|
+2.9% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
30.6%
-9.4% YoY-3.3% QoQ
|
+16.8% | 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)