BlastPoint's Credit Union Scorecard
VIGO COUNTY
Charter #138 · IN
VIGO COUNTY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.01% above tier average
- + Net Interest Margin 0.43% above tier average
- + Total Members: Top 1.7% in tier
- + Members Per Employee (MPE): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.24% above tier average
- - Indirect Auto Concentration (%): Bottom 1.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,353
+0.2% YoY+0.1% QoQ
|
+6.7K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 1.7% in tier |
| Assets |
$43.6M
+4.5% YoY+0.1% QoQ
|
+$13.7M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$28.3M
-2.4% YoY-1.9% QoQ
|
+$12.5M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$38.7M
+3.0% YoY-0.5% QoQ
|
+$13.3M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
1.7%
-1275.0% YoY-22.8% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 14.9% in tier |
| NIM |
4.4%
+8.4% YoY+1.7% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
67.5%
-32.4% YoY+14.6% QoQ
|
-13.9% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
1.7%
+48.9% YoY+4.0% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
72.9%
-5.2% YoY-1.4% QoQ
|
+11.7% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$7,163
+0.5% YoY-1.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
4.5%
+16.3% YoY+6.9% QoQ
|
-20.0% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
61.6%
-2.4% YoY+43.6% QoQ
|
+47.6% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)