BlastPoint's Credit Union Scorecard
LOCAL 697
Charter #12745 · IN
LOCAL 697 has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 2.7% in tier
- + Asset Growth Rate: Top 5.9% in tier
- + Deposit Growth Rate: Top 6.1% in tier
- + Loan Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 8.71% above tier (higher cost structure)
- - Delinquency rate 3.02% above tier average
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,317
+3.1% YoY+1.6% QoQ
|
+640 |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$47.5M
+11.3% YoY+2.9% QoQ
|
+$17.3M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$22.9M
+12.8% YoY-1.4% QoQ
|
+$7.6M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$39.9M
+11.9% YoY+3.5% QoQ
|
+$14.2M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
0.0%
-72.0% YoY-94.8% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
1.9%
-17.3% YoY-27.5% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
99.3%
+9.7% YoY+28.1% QoQ
|
+8.7% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
4.5%
-9.9% YoY-20.8% QoQ
|
+3.0 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
57.4%
+0.8% YoY-4.7% QoQ
|
-1.1% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$18,954
+8.9% YoY+0.0% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
73% |
| CD Concentration | 0.0% | -24.3% | 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)