BlastPoint's Credit Union Scorecard

DIAMOND VALLEY

Charter #14135 · IN

100M-500M

1024 CUs in 100M-500M nationally 21 in IN

DIAMOND VALLEY has 3 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
+ AMR Growth Rate: Top 3.7% in tier
+ Members Per Employee (MPE): Top 4.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 4.21% above tier (higher cost structure)
- Member decline: -11.5% YoY
- Average Member Relationship (AMR): Bottom 0.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
Shares and deposits +4.5% year over year ($155M in shares and deposits).
Membership: 19,657 members, -11.5% vs a year ago.
Delinquency rate 0.72%.
Return on assets 0.83%.
Efficiency ratio 80.94% vs a 76.73% peer average.
Loan-to-share ratio 42.10% vs a 71.54% 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	19,657 -11.5% YoY-1.1% QoQ	+4.5K	15,168 -2.6% YoY	23,392 +5.7% YoY	34,678 +6.6% YoY	76%
Assets	$178.8M +5.1% YoY-0.4% QoQ	$-53.2M	$232.0M +0.7% YoY	$404.4M +8.2% YoY	$593.1M +10.2% YoY	43%
Loans	$65.2M -4.5% YoY-0.2% QoQ	$-81.1M	$146.3M +0.2% YoY	$288.6M +8.1% YoY	$418.6M +10.1% YoY	Bottom 13.9% in tier
Deposits	$154.8M +4.5% YoY-0.3% QoQ	$-45.9M	$200.7M +0.2% YoY	$337.5M +7.0% YoY	$504.8M +10.3% 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	0.8% +42.1% YoY-31.3% QoQ	+0.0%	0.9% +12.5% YoY	1.6% +105.9% YoY	1.2% +121.4% YoY	55%
NIM	3.6% -7.0% YoY-6.2% QoQ	-0.1%	3.7% +4.5% YoY	3.9% +3.1% YoY	3.8% +2.3% YoY	47%
Efficiency Ratio	80.9% -1.3% YoY+4.4% QoQ	+4.2%	76.7% -0.8% YoY	105.3% +31.6% YoY	83.0% -5.3% YoY	61%
Delinquency Rate	0.7% -16.8% YoY-16.1% QoQ	-0.2	0.9% +6.6% YoY	1.6% +32.0% YoY	1.3% +2.6% YoY	52%
Loan To Share	42.1% -8.7% YoY+0.1% QoQ	-29.4%	71.5% -0.3% YoY	68.6% +0.4% YoY	66.4% -1.4% YoY	Bottom 5.5% in tier
AMR	$11,189 +14.9% YoY+0.8% QoQ	$-14K	$25,107 +3.2% YoY	$18,349 +1.6% YoY	$20,028 -0.9% YoY	Bottom 0.6% in tier
CD Concentration	19.1% +19.1% YoY+0.7% QoQ	-5.5%	24.6%	19.4%	20.0%	50%
Indirect Auto %	21.5% -12.5% YoY-1.8% QoQ	+7.8%	13.6%	11.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#49 of 483 • 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): 14.86%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#30 of 549 • 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): -11.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#39 of 549 • 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): -11.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.52%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.72%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#41 of 230 • 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: $178.81M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -11.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.52%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#201 of 476 • 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): 5.08%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 21.45%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -11.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Efficiency Drag

risk

#516 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.94%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -11.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 14.86%

Peer Median: 3.53%

#39 of 1024 Top 3.7% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 517.289

Peer Median: 310.924

#48 of 1024 Top 4.6% in 100M-500M tier

242

Total Members

engagement

Value: 19,657

Peer Median: 13,128

#242 of 1024 Top 23.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1018

Average Member Relationship (AMR)

engagement

Value: $11,189

Peer Median: $23,006

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1018

Loan-to-Member Ratio (LMR)

engagement

Value: $3,315

Peer Median: $9,434

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1001

Member Growth Rate

growth

Value: -11.48%

Peer Median: -0.03%

#1001 of 1024 Bottom 2.3% in 100M-500M tier

968

Loan-to-Share Ratio

balance_sheet

Value: 42.10%

Peer Median: 73.07%

#968 of 1024 Bottom 5.6% in 100M-500M tier

907

Loan Growth Rate

growth

Value: -4.52%

Peer Median: 3.02%

#907 of 1024 Bottom 11.5% in 100M-500M tier

882

Net Charge-Off Rate

risk

Value: 0.84%

Peer Median: 0.34%

#882 of 1024 Bottom 14.0% in 100M-500M tier

882

Total Loans

balance_sheet

Value: $65.16M

Peer Median: $124.04M

#882 of 1024 Bottom 14.0% in 100M-500M tier

770

Indirect Auto Concentration (%)

balance_sheet

Value: 21.45%

Peer Median: 6.15%

#770 of 1024 Bottom 24.9% in 100M-500M tier