BlastPoint's Credit Union Scorecard
VIGO COUNTY
Charter #138 · IN
VIGO COUNTY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Total Members: Top 2.7% in tier
- + Members Per Employee (MPE): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Delinquency rate 0.44% above tier average
- - Member decline: -8.8% YoY
- - Indirect Auto Concentration (%): Bottom 0.9% in tier
- - Member Growth Rate: Bottom 7.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits +3.6% year over year ($40.3M in shares and deposits).
- Membership: 8,519 members, -8.8% vs a year ago.
- Delinquency rate 1.98%.
- Return on assets 1.25%.
- Efficiency ratio 71.66% vs a 88.77% peer average.
- Loan-to-share ratio 65.31% vs a 58.89% 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 |
8,519
-8.8% YoY-1.7% QoQ
|
+5.9K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 2.7% in tier |
| Assets |
$45.5M
+4.5% YoY+1.2% QoQ
|
+$15.2M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$26.3M
-8.5% YoY-4.4% QoQ
|
+$10.9M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$40.3M
+3.6% YoY+1.1% QoQ
|
+$14.5M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
75% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
-42.9% YoY+4.4% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
4.3%
+0.5% YoY+0.9% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
71.7%
+21.7% YoY-0.3% QoQ
|
-17.1% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
2.0%
+17.9% YoY+25.3% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
65.3%
-11.7% YoY-5.4% QoQ
|
+6.4% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$7,827
+8.0% YoY+0.6% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
5.3%
+28.1% YoY+2.3% QoQ
|
-19.2% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
56.4%
+31.5% YoY-3.1% QoQ
|
+42.8% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)