BlastPoint's Credit Union Scorecard

DIAMOND VALLEY

Charter #14135 · IN

100M-500M

1070 CUs in 100M-500M nationally 21 in IN

DIAMOND VALLEY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.48% above tier average
+ Net Interest Margin 0.24% above tier average
+ Members Per Employee (MPE): Top 5.5% in tier
+ AMR Growth Rate: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Delinquency rate 0.09% above tier average
- Member decline: -10.3% YoY
- Loan-to-Member Ratio (LMR): Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	19,872 -10.3% YoY-10.4% QoQ	+4.7K	15,145 -2.5% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	77%
Assets	$179.5M +4.2% YoY+4.2% QoQ	$-52.2M	$231.7M +0.8% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	44%
Loans	$65.3M -5.0% YoY-3.4% QoQ	$-78.9M	$144.1M +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	Bottom 13.7% in tier
Deposits	$155.2M +3.1% YoY+4.1% QoQ	$-45.9M	$201.1M +0.4% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	43%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +97.8% YoY+36.1% QoQ	+0.5%	0.7% +5.1% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	79%
NIM	3.9% -6.5% YoY-5.1% QoQ	+0.2%	3.6% +4.6% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	77.5% -4.4% YoY-2.6% QoQ	-0.5%	78.0% -1.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	0.9% +16.8% YoY+5.1% QoQ	+0.1	0.8% +7.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	69%
Loan To Share	42.1% -7.9% YoY-7.2% QoQ	-28.4%	70.4% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	Bottom 5.6% in tier
AMR	$11,095 +12.1% YoY+13.6% QoQ	$-14K	$24,918 +2.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	Bottom 0.7% in tier
CD Concentration	19.0% +20.2% YoY+8.9% QoQ	-5.3%	24.3%	18.9%	19.8%	50%
Indirect Auto %	21.8% -15.1% YoY-2.6% QoQ	+8.0%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#87 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.12%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#21 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -10.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.03%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.86%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#34 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -10.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#42 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $179.53M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -10.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.03%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#247 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.20%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.84%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -10.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#455 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

Members Per Employee (MPE)

engagement

Value: 509.538

Peer Median: 309.176

#60 of 1070 Top 5.5% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.12%

Peer Median: 3.46%

#70 of 1070 Top 6.4% in 100M-500M tier

220

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Median: 0.69%

#220 of 1070 Top 20.5% in 100M-500M tier

249

Total Members

engagement

Value: 19,872

Peer Median: 13,200

#249 of 1070 Top 23.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1064

Loan-to-Member Ratio (LMR)

engagement

Value: $3,285

Peer Median: $9,356

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1062

Average Member Relationship (AMR)

engagement

Value: $11,095

Peer Median: $22,931

#1062 of 1070 Bottom 0.8% in 100M-500M tier

1039

Member Growth Rate

growth

Value: -10.32%

Peer Median: -0.06%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1010

Loan-to-Share Ratio

balance_sheet

Value: 42.05%

Peer Median: 71.88%

#1010 of 1070 Bottom 5.7% in 100M-500M tier

961

Loan Growth Rate

growth

Value: -5.03%

Peer Median: 2.93%

#961 of 1070 Bottom 10.3% in 100M-500M tier

923

Total Loans

balance_sheet

Value: $65.27M

Peer Median: $121.41M

#923 of 1070 Bottom 13.8% in 100M-500M tier

881

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.35%

#881 of 1070 Bottom 17.8% in 100M-500M tier

806

Indirect Auto Concentration (%)

balance_sheet

Value: 21.84%

Peer Median: 6.61%

#806 of 1070 Bottom 24.8% in 100M-500M tier