BlastPoint's Credit Union Scorecard
MT ZION INDIANAPOLIS
Charter #15757 · IN
MT ZION INDIANAPOLIS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.28% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 0.4% in tier
- + Fee Income Per Member: Top 0.5% in tier
- + Net Worth Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -41.1% YoY
- - Member Growth Rate: Bottom 0.4% in tier
- - Total Members: Bottom 2.8% in tier
- - Members Per Employee (MPE): Bottom 4.6% in tier
- - Total Deposits: Bottom 5.1% in tier
- - Total Loans: Bottom 6.4% in tier
- - Total Assets: Bottom 7.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -7.8% year over year ($733K in shares and deposits).
- Membership: 146 members, -41.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.73%.
- Efficiency ratio 81.57% vs a 88.77% peer average.
- Loan-to-share ratio 54.30% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
146
-41.1% YoY-3.3% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Bottom 2.7% in tier |
| Assets |
$1.4M
+5.6% YoY-0.3% QoQ
|
$-28.8M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.1% in tier |
| Loans |
$398,093
+9.1% YoY-2.5% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.4% in tier |
| Deposits |
$733,171
-7.8% YoY+0.6% QoQ
|
$-25.1M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.1% in tier |
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| ROA |
1.7%
+92.1% YoY-16.5% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 14.5% in tier |
| NIM |
4.2%
+1.1% YoY+4.3% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
81.6%
-9.8% YoY+5.6% QoQ
|
-7.2% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
54.3%
+18.2% YoY-3.0% QoQ
|
-4.6% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$7,748
+65.7% YoY+2.9% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 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)