BlastPoint's Credit Union Scorecard
BUSINESS AND INDUSTRIAL
Charter #13940 · IN
BUSINESS AND INDUSTRIAL demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,955
-1.1% YoY+0.4% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$44.9M
+2.7% YoY+0.3% QoQ
|
+$15.0M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$16.4M
+15.9% YoY+3.1% QoQ
|
+$603K |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$37.1M
+1.5% YoY-0.1% QoQ
|
+$11.6M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
73% |
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| ROA |
1.3%
+10.4% YoY+0.4% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
75% |
| NIM |
3.6%
+8.0% YoY+2.0% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
70.7%
-1.0% YoY+0.9% QoQ
|
-10.7% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.4%
-41.3% YoY-44.4% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
44.2%
+14.2% YoY+3.1% QoQ
|
-17.1% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$13,513
+6.7% YoY+0.4% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
2.7%
-1.4% YoY-2.8% QoQ
|
-21.8% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)