BlastPoint's Credit Union Scorecard
BUSINESS AND INDUSTRIAL
Charter #13940 · IN
BUSINESS AND INDUSTRIAL has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Loan Growth Rate: Top 2.5% in tier
- + AMR Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,815
-3.4% YoY-3.5% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$44.7M
+5.3% YoY-0.4% QoQ
|
+$14.5M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$17.2M
+24.1% YoY+5.1% QoQ
|
+$1.5M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$36.7M
+4.7% YoY-0.9% QoQ
|
+$11.1M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
1.3%
+3.7% YoY-2.1% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
3.6%
+4.6% YoY+0.9% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
71.4%
-0.2% YoY+0.9% QoQ
|
-11.2% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.1%
-89.9% YoY-73.2% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
46.8%
+18.5% YoY+6.1% QoQ
|
-13.8% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$14,144
+14.0% YoY+4.7% QoQ
|
$-639 |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
2.6%
-6.5% YoY-3.0% QoQ
|
-21.9% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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)