BlastPoint's Credit Union Scorecard
HOWARD COUNTY SCHOOL EM
Charter #16065 · IN
HOWARD COUNTY SCHOOL EM has 4 strengths but faces 8 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 2.9% in tier
- + Efficiency Ratio: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.03% above tier average
- - Member decline: -8.3% YoY
- - Deposit Growth Rate: Bottom 5.4% in tier
- - Asset Growth Rate: Bottom 6.3% in tier
- - Loan Growth Rate: Bottom 6.8% in tier
- - Net Interest Margin (NIM): Bottom 7.4% in tier
- - Member Growth Rate: Bottom 7.6% in tier
- - Fee Income Per Member: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,434
-8.3% YoY-0.2% QoQ
|
-181 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$31.3M
-8.6% YoY-1.0% QoQ
|
+$1.2M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$8.4M
-18.3% YoY-2.3% QoQ
|
$-7.3M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$25.9M
-11.5% YoY-1.8% QoQ
|
+$170K |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.2%
+425.9% YoY-4.7% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
2.5%
+79.9% YoY-2.8% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio |
47.1%
-43.0% YoY+4.0% QoQ
|
-35.4% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate |
2.6%
+61.3% YoY+10.0% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
32.6%
-7.7% YoY-0.5% QoQ
|
-28.0% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.2% in tier |
| AMR |
$14,086
-5.5% YoY-1.6% QoQ
|
$-697 |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
23.7%
+4.2% YoY+0.7% QoQ
|
-0.8% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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)