BlastPoint's Credit Union Scorecard
HOWARD COUNTY SCHOOL EM
Charter #16065 · IN
HOWARD COUNTY SCHOOL EM has 1 strength but faces 3 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 1.26% below tier average
- - Net Interest Margin (NIM): Bottom 1.6% in tier
- - Fee Income Per Member: Bottom 9.3% 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 -5.6% year over year ($25.6M in shares and deposits).
- Membership: 2,425 members, -1.3% vs a year ago.
- Delinquency rate 1.51%.
- Return on assets 0.24%.
- Efficiency ratio 79.32% vs a 88.77% peer average.
- Loan-to-share ratio 30.15% 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 |
2,425
-1.3% YoY-0.4% QoQ
|
-160 |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$31.4M
-2.8% YoY-2.6% QoQ
|
+$1.1M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$7.7M
-14.9% YoY-4.0% QoQ
|
$-7.7M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$25.6M
-5.6% YoY-3.6% QoQ
|
$-177K |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.2%
-58.8% YoY-125.3% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.9% in tier |
| NIM |
1.4%
-18.8% YoY+480.6% QoQ
|
-2.5% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio |
79.3%
+36.2% YoY-82.0% QoQ
|
-9.4% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
1.5%
+1585.1% YoY+20.4% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
30.1%
-9.9% YoY-0.3% QoQ
|
-28.7% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.2% in tier |
| AMR |
$13,753
-6.7% YoY-3.3% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
18.3%
-13.9% YoY-11.9% QoQ
|
-6.2% | 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)