BlastPoint's Credit Union Scorecard
INDIANA STATE UNIVERSITY
Charter #13616 · IN
INDIANA STATE UNIVERSITY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Efficiency ratio 3.78% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +2.8% year over year ($120M in shares and deposits).
- Membership: 10,140 members, +2.9% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.84%.
- Efficiency ratio 80.51% vs a 76.73% peer average.
- Loan-to-share ratio 66.37% vs a 71.54% 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 |
10,140
+2.9% YoY+0.5% QoQ
|
-5.0K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$139.9M
+3.4% YoY+0.9% QoQ
|
$-92.1M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$79.4M
+2.2% YoY+1.5% QoQ
|
$-66.8M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$119.7M
+2.8% YoY+0.8% QoQ
|
$-81.0M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
0.8%
-20.0% YoY-3.7% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
3.6%
-1.2% YoY+1.1% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
80.5%
+8.1% YoY-1.2% QoQ
|
+3.8% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.5%
-16.0% YoY+14.1% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
66.4%
-0.6% YoY+0.7% QoQ
|
-5.2% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$19,636
-0.4% YoY+0.6% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
20.6%
-13.3% YoY-4.5% QoQ
|
-4.0% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
30.6%
-15.3% YoY-5.2% QoQ
|
+16.9% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)