BlastPoint's Credit Union Scorecard
FINANS
Charter #1457 · IN
FINANS has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.24% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 9.42% above tier (higher cost structure)
- - Delinquency rate 1.49% above tier average
- - Member decline: -6.1% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -0.8% year over year ($7.9M in shares and deposits).
- Membership: 1,238 members, -6.1% vs a year ago.
- Delinquency rate 3.04%.
- Return on assets 0.09%.
- Efficiency ratio 98.19% vs a 88.77% peer average.
- Loan-to-share ratio 29.86% vs a 58.89% 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 |
1,238
-6.1% YoY-1.2% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$8.9M
-0.5% YoY-1.6% QoQ
|
$-21.4M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$2.3M
-13.0% YoY-1.4% QoQ
|
$-13.1M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$7.9M
-0.8% YoY-1.8% QoQ
|
$-17.9M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
0.1%
-72.5% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.9% in tier |
| NIM |
4.1%
+2.2% YoY+0.0% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
98.2%
+6.5% YoY-2.0% QoQ
|
+9.4% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate |
3.0%
+124.4% YoY+19.0% QoQ
|
+1.5 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
29.9%
-12.3% YoY+0.3% QoQ
|
-29.0% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.0% in tier |
| AMR |
$8,248
+2.4% YoY-0.5% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 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)