BlastPoint's Credit Union Scorecard
FINANS
Charter #1457 · IN
FINANS has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 10.45% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - Member decline: -9.4% YoY
- - Member Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,304
-9.4% YoY-1.1% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$9.1M
-0.2% YoY+1.3% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$2.6M
-10.9% YoY-4.9% QoQ
|
$-13.2M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$8.0M
-0.4% YoY+1.4% QoQ
|
$-17.4M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.3%
+57.4% YoY+0.9% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
4.1%
+7.3% YoY+1.7% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
91.8%
-4.1% YoY-0.3% QoQ
|
+10.5% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.9%
+75.4% YoY+42.5% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
32.0%
-10.5% YoY-6.2% QoQ
|
-29.3% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.7% in tier |
| AMR |
$8,126
+6.9% YoY+0.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% |
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)