BlastPoint's Credit Union Scorecard
HOWARD COUNTY SCHOOL EM
Charter #16065 · IN
HOWARD COUNTY SCHOOL EM has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.08% below tier average
- - Efficiency ratio 349.77% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - Loan Growth Rate: Bottom 9.1% in tier
- - Fee Income Per Member: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,435
-4.6% YoY+0.0% QoQ
|
-241 |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$32.2M
-3.8% YoY+2.8% QoQ
|
+$2.0M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$8.0M
-17.3% YoY-4.6% QoQ
|
$-7.2M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$26.6M
-6.7% YoY+2.8% QoQ
|
+$811K |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
-0.9%
+163.3% YoY-180.0% QoQ
|
-1.1% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.9% in tier |
| NIM |
0.2%
-84.7% YoY-89.9% QoQ
|
-3.8% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
440.4%
+464.0% YoY+834.1% QoQ
|
+349.8% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate |
1.3%
+519.3% YoY-51.5% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
30.2%
-11.3% YoY-7.2% QoQ
|
-28.3% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.8% in tier |
| AMR |
$14,225
-5.0% YoY+1.0% QoQ
|
$-659 |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
20.8%
-8.1% YoY-12.1% QoQ
|
-3.5% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 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)