BlastPoint's Credit Union Scorecard
LOCAL 697
Charter #12745 · IN
LOCAL 697 has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + 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
- + AMR Growth Rate: Top 6.3% in tier
- + Loan Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.00% below tier average
- - Delinquency rate 4.15% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.2% in tier
- - Net Interest Margin (NIM): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,264
-0.3% YoY+1.4% QoQ
|
+648 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$46.2M
+11.9% YoY+8.5% QoQ
|
+$16.0M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$23.2M
+12.0% YoY+8.6% QoQ
|
+$7.5M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$38.6M
+12.6% YoY+9.2% QoQ
|
+$12.9M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.6%
+68.8% YoY+4067.5% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.6%
+5.5% YoY+19.6% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
77.6%
-9.2% YoY-17.9% QoQ
|
-5.0% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
5.7%
-18.8% YoY-3.4% QoQ
|
+4.2 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 5.2% in tier |
| Loan To Share |
60.2%
-0.5% YoY-0.5% QoQ
|
-0.4% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$18,947
+12.7% YoY+7.4% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)