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 0.13% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Efficiency ratio 9.56% above tier (higher cost structure)
- - Delinquency rate 1.05% above tier average
- - Member decline: -6.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,253
-6.4% YoY-7.6% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$9.1M
-0.4% YoY+2.1% QoQ
|
$-21.1M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$2.4M
-13.4% YoY-4.8% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$8.0M
-0.7% YoY+2.3% QoQ
|
$-17.8M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
-0.0%
-104.0% YoY-100.7% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
4.1%
+5.5% YoY-21.8% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
100.2%
+5.4% YoY+31.0% QoQ
|
+9.6% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
85% |
| Delinquency Rate |
2.6%
+172.0% YoY+0.5% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.0% in tier |
| Loan To Share |
29.8%
-12.8% YoY-6.9% QoQ
|
-28.7% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.4% in tier |
| AMR |
$8,289
+2.7% YoY+8.8% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 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)