BlastPoint's Credit Union Scorecard
LOCAL 697
Charter #12745 ยท IN
2596 CUs in <100M nationally
82 in IN
LOCAL 697 has 4 strengths but faces 5 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 2.9% in tier
- + Member Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 13.07% above tier (higher cost structure)
- - Delinquency rate 4.40% above tier average
- - Net Interest Margin (NIM): Bottom 4.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,218
+3.5% YoY+1.9% QoQ
|
+592 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$42.6M
+2.3% YoY+0.3% QoQ
|
+$12.7M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$21.4M
+4.8% YoY+1.3% QoQ
|
+$5.6M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$35.4M
+2.3% YoY+0.4% QoQ
|
+$9.9M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
71% |
| ROA |
0.0%
-96.6% YoY-59.3% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
2.1%
-13.4% YoY+3.2% QoQ
|
-1.8% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio |
94.5%
+13.5% YoY+1.0% QoQ
|
+13.1% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
5.9%
+9.2% YoY-18.1% QoQ
|
+4.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 4.8% in tier |
| Loan To Share |
60.5%
+2.4% YoY+0.9% QoQ
|
-0.7% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$17,637
-0.3% YoY-1.1% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
76
Members Per Employee (MPE)
engagement
Value:
804.500
Peer Avg: 365.701
#76 of 2596
Top 2.9% in <100M tier
260
Member Growth Rate
growth
Value:
3.51%
Peer Avg: 14.92%
#260 of 2596
Top 10.0% in <100M tier
547
Loan Growth Rate
growth
Value:
4.79%
Peer Avg: 59.01%
#547 of 2596
Top 21.0% in <100M tier
Top Weaknesses (4 metrics)
2483
Net Interest Margin (NIM)
profitability
Value:
2.14%
Peer Avg: 3.93%
#2483 of 2596
Bottom 4.4% in <100M tier
2473
Total Delinquency Rate (60+ days)
risk
Value:
5.91%
Peer Avg: 1.51%
#2473 of 2596
Bottom 4.8% in <100M tier
2161
Efficiency Ratio
profitability
Value:
94.46%
Peer Avg: 81.39%
#2161 of 2596
Bottom 16.8% in <100M tier
2156
Return on Assets (ROA)
profitability
Value:
0.01%
Peer Avg: 0.68%
#2156 of 2596
Bottom 17.0% in <100M tier