BlastPoint's Credit Union Scorecard
MT ZION INDIANAPOLIS
Charter #15757 · IN
2556 CUs in <100M nationally
82 in IN
MT ZION INDIANAPOLIS has 10 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + Net Charge-Off Rate: Top 1.2% in tier
- + Fee Income Per Member: Top 1.9% in tier
- + Net Worth Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.41% above tier (higher cost structure)
- - Total Deposits: Bottom 4.9% in tier
- - Total Loans: Bottom 6.1% in tier
- - Total Members: Bottom 6.2% in tier
- - Average Member Relationship (AMR): Bottom 6.6% in tier
- - Total Assets: Bottom 7.2% in tier
- - Members Per Employee (MPE): Bottom 7.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
248
-2.0% YoY+72.2% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 6.1% in tier |
| Assets |
$1.4M
+24.4% YoY+11.9% QoQ
|
$-28.7M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.2% in tier |
| Loans |
$380,883
-10.6% YoY-1.3% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.1% in tier |
| Deposits |
$674,227
-2.6% YoY-2.3% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.8% in tier |
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| ROA |
0.9%
-20.8% YoY-7.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
4.0%
-13.3% YoY-2.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
85.0%
+21.0% YoY-4.4% QoQ
|
+2.4% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
56.5%
-8.3% YoY+1.0% QoQ
|
-4.1% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$4,254
-3.7% YoY-43.1% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
31
Asset Growth Rate
growth
Value:
24.44%
Peer Median: -
#31 of 2556
Top 1.2% in <100M tier
32
Net Charge-Off Rate
risk
Value:
-0.44%
Peer Median: -
#32 of 2556
Top 1.2% in <100M tier
49
Fee Income Per Member
profitability
Value:
$315.30
Peer Median: -
#49 of 2556
Top 1.9% in <100M tier
67
Net Worth Ratio
risk
Value:
38.54%
Peer Median: -
#67 of 2556
Top 2.6% in <100M tier
Top Weaknesses (9 metrics)
2433
Total Deposits
balance_sheet
Value:
$674,227
Peer Median: -
#2433 of 2556
Bottom 4.9% in <100M tier
2401
Total Loans
balance_sheet
Value:
$380,883
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier
2398
Total Members
engagement
Value:
248
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2389
Average Member Relationship (AMR)
engagement
Value:
$4,254
Peer Median: -
#2389 of 2556
Bottom 6.6% in <100M tier
2372
Total Assets
balance_sheet
Value:
$1.40M
Peer Median: -
#2372 of 2556
Bottom 7.2% in <100M tier
2355
Members Per Employee (MPE)
engagement
Value:
124.000
Peer Median: -
#2355 of 2556
Bottom 7.9% in <100M tier
2335
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,536
Peer Median: -
#2335 of 2556
Bottom 8.7% in <100M tier
2063
Loan Growth Rate
growth
Value:
-10.64%
Peer Median: -
#2063 of 2556
Bottom 19.3% in <100M tier
2029
AMR Growth Rate
growth
Value:
-3.75%
Peer Median: -
#2029 of 2556
Bottom 20.7% in <100M tier