BlastPoint's Credit Union Scorecard
MT ZION INDIANAPOLIS
Charter #15757 · IN
<100M
2508 CUs in <100M nationally
80 in IN
MT ZION INDIANAPOLIS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.92% above tier average
- + AMR Growth Rate: Top 0.4% in tier
- + Fee Income Per Member: Top 0.4% in tier
- + Asset Growth Rate: Top 0.9% in tier
- + Net Worth Ratio: Top 2.7% in tier
- + Net Charge-Off Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -38.4% YoY
- - Member Growth Rate: Bottom 0.5% in tier
- - Total Members: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 4.6% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Total Loans: Bottom 6.7% in tier
- - Total Assets: Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
151
-38.4% YoY-39.1% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 2.9% in tier |
| Assets |
$1.4M
+26.9% YoY+3.4% QoQ
|
$-28.7M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.3% in tier |
| Loans |
$408,153
+2.4% YoY+7.2% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.7% in tier |
| Deposits |
$729,097
+1.3% YoY+8.1% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.2% in tier |
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| ROA |
2.1%
+156.2% YoY+123.8% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 5.6% in tier |
| NIM |
4.0%
-13.9% YoY-0.8% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
77.3%
-16.2% YoY-9.1% QoQ
|
-13.4% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate | 0.5% | -1.0 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
56.0%
+1.2% YoY-0.9% QoQ
|
-2.5% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$7,531
+65.0% YoY+77.0% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
17% |
| 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)
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
10
AMR Growth Rate
growth
Value:
64.99%
Peer Median: 1.27%
#10 of 2508
Top 0.4% in <100M tier
11
Fee Income Per Member
profitability
Value:
$602.70
Peer Median: $60.42
#11 of 2508
Top 0.4% in <100M tier
24
Asset Growth Rate
growth
Value:
26.86%
Peer Median: 1.30%
#24 of 2508
Top 0.9% in <100M tier
68
Net Worth Ratio
risk
Value:
37.80%
Peer Median: 14.28%
#68 of 2508
Top 2.7% in <100M tier
140
Return on Assets (ROA)
profitability
Value:
2.07%
Peer Median: 0.61%
#140 of 2508
Top 5.5% in <100M tier
184
Net Charge-Off Rate
risk
Value:
-0.16%
Peer Median: 0.07%
#184 of 2508
Top 7.3% in <100M tier
Top Weaknesses (8 metrics)
2496
Member Growth Rate
growth
Value:
-38.37%
Peer Median: -1.37%
#2496 of 2508
Bottom 0.5% in <100M tier
2433
Total Members
engagement
Value:
151
Peer Median: 1,918
#2433 of 2508
Bottom 3.0% in <100M tier
2393
Members Per Employee (MPE)
engagement
Value:
75.500
Peer Median: 333.750
#2393 of 2508
Bottom 4.6% in <100M tier
2377
Total Deposits
balance_sheet
Value:
$729,097
Peer Median: $18.77M
#2377 of 2508
Bottom 5.3% in <100M tier
2341
Total Loans
balance_sheet
Value:
$408,153
Peer Median: $9.48M
#2341 of 2508
Bottom 6.7% in <100M tier
2325
Total Assets
balance_sheet
Value:
$1.44M
Peer Median: $21.86M
#2325 of 2508
Bottom 7.3% in <100M tier
2084
Average Member Relationship (AMR)
engagement
Value:
$7,531
Peer Median: $13,926
#2084 of 2508
Bottom 16.9% in <100M tier
1975
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,703
Peer Median: $4,923
#1975 of 2508
Bottom 21.3% in <100M tier