MT ZION INDIANAPOLIS
Charter #15757 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
MT ZION INDIANAPOLIS has 10 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.3% in tier
- + Net Charge-Off Rate: Top 0.6% in tier
- + Fee Income Per Member: Top 0.8% in tier
- + Net Worth Ratio: Top 2.5% in tier
- + Asset Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.48% above tier (higher cost structure)
- - Delinquency rate 9.96% above tier average
- - Member decline: -42.9% YoY
- - Member Growth Rate: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Total Members: Bottom 2.8% in tier
- - Members Per Employee (MPE): Bottom 4.5% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Total Loans: Bottom 6.5% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
- - Total Assets: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
144
-42.9% YoY-41.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 2.7% in tier |
| Assets |
$1.2M
+10.5% YoY-8.4% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.9% in tier |
| Loans |
$385,962
-19.5% YoY+5.7% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.4% in tier |
| Deposits |
$690,273
+1.6% YoY-13.2% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.4% in tier |
| ROA |
1.0%
-10.0% YoY+10.5% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
61st in tier |
| NIM |
4.2%
-12.9% YoY+0.6% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
61st in tier |
| Efficiency Ratio |
88.9%
+25.3% YoY-1.7% QoQ
|
+7.5% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
74th in tier |
| Delinquency Rate |
11.5%
+5625.2% QoQ
|
+10.0 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.0% in tier |
| Loan To Share |
55.9%
-20.8% YoY+21.8% QoQ
|
-5.3% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
42nd in tier |
| AMR |
$7,474
+62.5% YoY+59.8% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 16.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
9
AMR Growth Rate
growth
Value:
62.51%
Peer Avg: 4.67%
#9 of 2596
Top 0.3% in <100M tier
16
Net Charge-Off Rate
risk
Value:
-0.77%
Peer Avg: 0.57%
#16 of 2596
Top 0.6% in <100M tier
21
Fee Income Per Member
profitability
Value:
$506.49
Peer Avg: $182.96
#21 of 2596
Top 0.8% in <100M tier
66
Net Worth Ratio
risk
Value:
38.94%
Peer Avg: 16.43%
#66 of 2596
Top 2.5% in <100M tier
201
Asset Growth Rate
growth
Value:
10.45%
Peer Avg: 1.82%
#201 of 2596
Top 7.7% in <100M tier
Top Weaknesses (10 metrics)
2580
Member Growth Rate
growth
Value:
-42.86%
Peer Avg: 14.92%
#2580 of 2596
Bottom 0.7% in <100M tier
2545
Total Delinquency Rate (60+ days)
risk
Value:
11.47%
Peer Avg: 1.51%
#2545 of 2596
Bottom 2.0% in <100M tier
2525
Total Members
engagement
Value:
144
Peer Avg: 2,626
#2525 of 2596
Bottom 2.8% in <100M tier
2479
Members Per Employee (MPE)
engagement
Value:
72.000
Peer Avg: 365.701
#2479 of 2596
Bottom 4.5% in <100M tier
2457
Total Deposits
balance_sheet
Value:
$690,273
Peer Avg: $25.45M
#2457 of 2596
Bottom 5.4% in <100M tier
2429
Total Loans
balance_sheet
Value:
$385,962
Peer Avg: $15.77M
#2429 of 2596
Bottom 6.5% in <100M tier
2426
Loan Growth Rate
growth
Value:
-19.52%
Peer Avg: 59.01%
#2426 of 2596
Bottom 6.6% in <100M tier
2418
Total Assets
balance_sheet
Value:
$1.25M
Peer Avg: $29.86M
#2418 of 2596
Bottom 6.9% in <100M tier
2156
Average Member Relationship (AMR)
engagement
Value:
$7,474
Peer Avg: $14,627
#2156 of 2596
Bottom 17.0% in <100M tier
2072
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,680
Peer Avg: $5,488
#2072 of 2596
Bottom 20.2% in <100M tier