BlastPoint's Credit Union Scorecard
HOWARD COUNTY SCHOOL EM
Charter #16065 · IN
HOWARD COUNTY SCHOOL EM has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.7% in tier
- + Efficiency Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.84% above tier average
- - Member decline: -8.2% YoY
- - Loan Growth Rate: Bottom 6.0% in tier
- - Net Interest Margin (NIM): Bottom 8.1% in tier
- - Fee Income Per Member: Bottom 8.2% in tier
- - Member Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,440
-8.2% YoY-0.7% QoQ
|
-185 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$31.6M
-5.2% YoY-1.9% QoQ
|
+$1.8M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$8.6M
-20.3% YoY-5.0% QoQ
|
$-7.1M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$26.3M
-7.1% YoY-3.0% QoQ
|
+$864K |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
1.2%
+281.9% YoY+113.7% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
2.5%
+75.0% YoY+42.6% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio |
45.3%
-40.7% YoY-22.2% QoQ
|
-36.1% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
2.3%
+2698.1% YoY+2524.9% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
32.8%
-14.2% YoY-2.1% QoQ
|
-28.5% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.2% in tier |
| AMR |
$14,320
-2.8% YoY-2.9% QoQ
|
$-306 |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
23.5%
+28.6% YoY+10.4% QoQ
|
-0.9% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)