BlastPoint's Credit Union Scorecard
U S #1364
Charter #1364 · IN
U S #1364 has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - ROA 0.06% below tier average
- - Delinquency rate 0.24% above tier average
- - Net Interest Margin (NIM): Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 8.6% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +5.1% year over year ($192M in shares and deposits).
- Membership: 13,057 members, +0.7% vs a year ago.
- Delinquency rate 1.12%.
- Return on assets 0.80%.
- Efficiency ratio 75.27% vs a 76.73% peer average.
- Loan-to-share ratio 46.74% 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 |
13,057
+0.7% YoY+0.2% QoQ
|
-2.1K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$222.4M
+5.8% YoY+1.6% QoQ
|
$-9.6M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$89.9M
-2.0% YoY+0.3% QoQ
|
$-56.3M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$192.4M
+5.1% YoY+1.3% QoQ
|
$-8.3M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.8%
-31.3% YoY+16.0% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
2.6%
-5.3% YoY-0.0% QoQ
|
-1.1% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.6% in tier |
| Efficiency Ratio |
75.3%
+14.8% YoY-5.5% QoQ
|
-1.5% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
1.1%
+59.7% YoY+24.1% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
46.7%
-6.8% YoY-1.0% QoQ
|
-24.8% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.5% in tier |
| AMR |
$21,626
+2.1% YoY+0.8% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
36.1%
+9.6% YoY+6.7% QoQ
|
+11.5% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)