BlastPoint's Credit Union Scorecard

REGIONAL

Charter #15072 · IN

100M-500M

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

REGIONAL has 8 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.40% above tier average
+ Strong member growth: 5.3% YoY
+ Share Certificate Concentration (%): Top 2.6% in tier
+ Members Per Employee (MPE): Top 7.9% in tier
+ Loan Growth Rate: Top 7.9% in tier
+ Member Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.52% below tier average
- Efficiency ratio 6.30% above tier (higher cost structure)
- Delinquency rate 0.20% above tier average
- Average Member Relationship (AMR): 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	26,768 +5.3% YoY+2.6% QoQ	+11.6K	15,145 -2.5% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	Top 9.8% in tier
Assets	$184.3M -0.2% YoY+0.5% QoQ	$-47.4M	$231.7M +0.8% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	46%
Loans	$126.1M +13.7% YoY-0.5% QoQ	$-18.1M	$144.1M +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	52%
Deposits	$161.8M -1.0% YoY+0.7% QoQ	$-39.3M	$201.1M +0.4% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	46%

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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	0.2% -56.3% YoY-64.7% QoQ	-0.5%	0.7% +5.1% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	16%
NIM	4.0% +2.4% YoY-1.4% QoQ	+0.4%	3.6% +4.6% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	84.3% +3.8% YoY+6.0% QoQ	+6.3%	78.0% -1.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	1.0% +13.6% YoY-8.6% QoQ	+0.2	0.8% +7.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	75%
Loan To Share	77.9% +14.8% YoY-1.1% QoQ	+7.5%	70.4% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	63%
AMR	$10,754 -0.4% YoY-2.4% QoQ	$-14K	$24,918 +2.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	Bottom 0.6% in tier
CD Concentration	2.2% -39.1% YoY-20.4% QoQ	-22.0%	24.3%	18.9%	19.8%	50%
Indirect Auto %	0.2% -52.0% YoY-16.8% QoQ	-13.6%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#73 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.30%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.21%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#225 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.30%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.20%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.21%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#129 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 13.66%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#462 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 | Rank worsening

Efficiency Drag

risk

#493 of 596 • 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: 84.33%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 5.30%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Deposit Outflow

decline

#67 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.02%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 5.30%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | 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 (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 2.23%

Peer Median: 23.10%

#29 of 1070 Top 2.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 478.000

Peer Median: 309.176

#85 of 1070 Top 7.9% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.66%

Peer Median: 2.93%

#86 of 1070 Top 7.9% in 100M-500M tier

102

Member Growth Rate

growth

Value: 5.30%

Peer Median: -0.06%

#102 of 1070 Top 9.4% in 100M-500M tier

105

Total Members

engagement

Value: 26,768

Peer Median: 13,200

#105 of 1070 Top 9.7% in 100M-500M tier

264

Net Interest Margin (NIM)

profitability

Value: 4.03%

Peer Median: 3.62%

#264 of 1070 Top 24.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1064

Average Member Relationship (AMR)

engagement

Value: $10,754

Peer Median: $22,931

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

1021

Loan-to-Member Ratio (LMR)

engagement

Value: $4,710

Peer Median: $9,356

#1021 of 1070 Bottom 4.7% in 100M-500M tier

1001

Fee Income Per Member

profitability

Value: $67.66

Peer Median: $154.95

#1001 of 1070 Bottom 6.5% in 100M-500M tier

907

Deposit Growth Rate

growth

Value: -1.02%

Peer Median: 3.30%

#907 of 1070 Bottom 15.3% in 100M-500M tier

896

Asset Growth Rate

growth

Value: -0.16%

Peer Median: 3.91%

#896 of 1070 Bottom 16.4% in 100M-500M tier

895

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: 0.69%

#895 of 1070 Bottom 16.4% in 100M-500M tier

864

AMR Growth Rate

growth

Value: -0.36%

Peer Median: 3.46%

#864 of 1070 Bottom 19.3% in 100M-500M tier