BlastPoint's Credit Union Scorecard

INDIANA STATE UNIVERSITY

Charter #13616 · IN

100M-500M

1070 CUs in 100M-500M nationally 21 in IN

INDIANA STATE UNIVERSITY has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.15% above tier average

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Efficiency ratio 3.46% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	10,088 +3.1% YoY+0.8% QoQ	-5.1K	15,145 -2.5% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	33%
Assets	$138.6M +2.0% YoY+3.3% QoQ	$-93.1M	$231.7M +0.8% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	25%
Loans	$78.3M +2.1% YoY-0.5% QoQ	$-65.9M	$144.1M +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	23%
Deposits	$118.7M +1.1% YoY+3.7% QoQ	$-82.4M	$201.1M +0.4% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -11.6% YoY-5.8% QoQ	+0.1%	0.7% +5.1% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	62%
NIM	3.6% -1.3% YoY-5.4% QoQ	+0.0%	3.6% +4.6% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	81.5% +7.7% YoY+5.2% QoQ	+3.5%	78.0% -1.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	0.4% -33.2% YoY+1.9% QoQ	-0.3	0.8% +7.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	34%
Loan To Share	65.9% +0.9% YoY-4.0% QoQ	-4.5%	70.4% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	38%
AMR	$19,527 -1.6% YoY+1.1% QoQ	$-5K	$24,918 +2.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	29%
CD Concentration	21.6% -15.1% YoY-1.4% QoQ	-2.7%	24.3%	18.9%	19.8%	50%
Indirect Auto %	32.2% -15.3% YoY-4.9% QoQ	+18.4%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#101 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.87%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.14%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#169 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.59%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#370 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.04%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 32.25%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.14%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#446 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.49%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.14%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Margin Compression

decline

#130 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.87%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 0.99%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

139

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: 0.35%

#139 of 1070 Top 12.9% in 100M-500M tier

203

Member Growth Rate

growth

Value: 3.14%

Peer Median: -0.06%

#203 of 1070 Top 18.9% in 100M-500M tier

Top Weaknesses (4 metrics)

933

AMR Growth Rate

growth

Value: -1.59%

Peer Median: 3.46%

#933 of 1070 Bottom 12.9% in 100M-500M tier

922

Indirect Auto Concentration (%)

balance_sheet

Value: 32.25%

Peer Median: 6.61%

#922 of 1070 Bottom 13.9% in 100M-500M tier

820

Total Loans

balance_sheet

Value: $78.27M

Peer Median: $121.41M

#820 of 1070 Bottom 23.5% in 100M-500M tier

817

Total Deposits

balance_sheet

Value: $118.72M

Peer Median: $171.29M

#817 of 1070 Bottom 23.7% in 100M-500M tier