BlastPoint's Credit Union Scorecard
LOCAL 697
Charter #12745 · IN
LOCAL 697 has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9.2% YoY
- + Deposit Growth Rate: Top 2.2% in tier
- + Members Per Employee (MPE): Top 2.3% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + Member Growth Rate: Top 4.1% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.35% below tier average
- - Efficiency ratio 6.31% above tier (higher cost structure)
- - Delinquency rate 3.00% above tier average
- - Net Interest Margin (NIM): Bottom 3.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.4% 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 +17.7% year over year ($41.4M in shares and deposits).
- Membership: 3,450 members, +9.2% vs a year ago.
- Delinquency rate 4.55%.
- Return on assets 0.15%.
- Efficiency ratio 95.08% vs a 88.77% peer average.
- Loan-to-share ratio 55.82% 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 |
3,450
+9.2% YoY+4.0% QoQ
|
+864 |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$49.0M
+15.3% YoY+3.1% QoQ
|
+$18.7M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$23.1M
+9.4% YoY+0.8% QoQ
|
+$7.7M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$41.4M
+17.7% YoY+3.7% QoQ
|
+$15.6M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA | 0.1% | -1.3% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.1% in tier |
| NIM |
1.9%
-7.9% YoY+2.9% QoQ
|
-2.0% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.1% in tier |
| Efficiency Ratio |
95.1%
+1.7% YoY-4.3% QoQ
|
+6.3% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
4.5%
-37.0% YoY+0.5% QoQ
|
+3.0 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.4% in tier |
| Loan To Share |
55.8%
-7.0% YoY-2.7% QoQ
|
-3.1% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$18,705
+4.9% YoY-1.3% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)