BlastPoint's Credit Union Scorecard

U S #1364

Charter #1364 · IN

1069 CUs in 100M-500M nationally 19 in IN

U S #1364 has 4 strengths but faces 6 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

+ Organic Growth Engine: Top 56.2% in tier
+ Organic Growth Leader: Top 88.5% in tier
+ ROA 0.36% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 55.1% in tier
- Credit Quality Pressure: Bottom 65.1% in tier
- Cost Spiral: Bottom 71.1% in tier
- Margin Compression: Bottom 75.4% in tier
- Deposit Outflow: Bottom 76.5% in tier
- AMR Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	12,963 +0.9% YoY-0.2% QoQ	-2.5K	15,437 -2.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	47%
Assets	$212.0M +0.3% YoY+0.8% QoQ	$-19.9M	$231.9M +1.3% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	54%
Loans	$89.9M -1.8% YoY-0.7% QoQ	$-57.4M	$147.3M -0.1% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	29%
Deposits	$183.4M -1.3% YoY+0.7% QoQ	$-17.4M	$200.8M +0.8% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	54%

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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	1.1% -9.4% YoY-5.2% QoQ	+0.4%	0.8% +18.2% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	76%
NIM	2.7% +8.5% YoY-0.9% QoQ	-0.9%	3.6% +6.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	Bottom 9.9% in tier
Efficiency Ratio	68.4% +8.2% YoY+2.4% QoQ	-8.6%	77.0% -3.1% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	21%
Delinquency Rate	0.8% +19.6% YoY+9.9% QoQ	-0.1	0.9% +4.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	54%
Loan To Share	49.0% -0.6% YoY-1.4% QoQ	-23.2%	72.2% -1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	Bottom 10.1% in tier
AMR	$21,083 -2.3% YoY+0.5% QoQ	$-4K	$24,676 +3.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	40%
CD Concentration	33.4% -1.2% YoY+3.5% QoQ	+9.0%	24.4%	19.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#335 of 595 • Top 56.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.90%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.12%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#377 of 426 • Top 88.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.90%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#115 of 208 • Bottom 55.1% in tier

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

Why This Signature

AMR Growth (YoY): -2.32%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Credit Quality Pressure

risk

#459 of 705 • Bottom 65.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Cost Spiral

risk

#33 of 46 • Bottom 71.1% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.20% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 42.52%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Margin Compression

decline

#93 of 123 • Bottom 75.4% 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: 1.12%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.24%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Deposit Outflow

decline

#53 of 69 • Bottom 76.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.26%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.90%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

190

Members Per Employee (MPE)

engagement

Value: 405.094

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

221

Efficiency Ratio

profitability

Value: 68.40%

Peer Median: -

#221 of 1069 Top 20.6% in 100M-500M tier

228

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#228 of 1069 Top 21.2% in 100M-500M tier

249

Net Worth Ratio

risk

Value: 13.84%

Peer Median: -

#249 of 1069 Top 23.2% in 100M-500M tier

262

Return on Assets (ROA)

profitability

Value: 1.12%

Peer Median: -

#262 of 1069 Top 24.4% in 100M-500M tier

Top Weaknesses (9 metrics)

975

AMR Growth Rate

growth

Value: -2.32%

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

963

Net Interest Margin (NIM)

profitability

Value: 2.75%

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

961

Loan-to-Share Ratio

balance_sheet

Value: 49.04%

Peer Median: -

#961 of 1069 Bottom 10.2% in 100M-500M tier

950

Deposit Growth Rate

growth

Value: -1.26%

Peer Median: -

#950 of 1069 Bottom 11.2% in 100M-500M tier

922

First Mortgage Concentration (%)

balance_sheet

Value: 50.10%

Peer Median: -

#922 of 1069 Bottom 13.8% in 100M-500M tier

897

Asset Growth Rate

growth

Value: 0.28%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

863

Share Certificate Concentration (%)

balance_sheet

Value: 33.40%

Peer Median: -

#863 of 1069 Bottom 19.4% in 100M-500M tier

834

Loan-to-Member Ratio (LMR)

engagement

Value: $6,938

Peer Median: -

#834 of 1069 Bottom 22.1% in 100M-500M tier

816

Loan Growth Rate

growth

Value: -1.83%

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier