BlastPoint's Credit Union Scorecard
HOMETOWN
Charter #1621 · IN
HOMETOWN has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.37% above tier average
- + Net Interest Margin 2.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.8% in tier
- + Net Worth Ratio: Top 5.0% in tier
- + Efficiency Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,971
+3.3% YoY-1.6% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$35.5M
-4.2% YoY-0.8% QoQ
|
+$5.7M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$25.8M
+0.3% YoY-0.8% QoQ
|
+$10.1M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$24.1M
-10.9% YoY-2.6% QoQ
|
$-1.4M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
4.1%
+20.8% YoY+0.9% QoQ
|
+3.4% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 1.2% in tier |
| NIM |
6.8%
+12.9% YoY+1.9% QoQ
|
+2.9% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
47.7%
-9.4% YoY-1.9% QoQ
|
-33.7% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
1.1%
+2.1% YoY+8.1% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
107.3%
+12.6% YoY+1.9% QoQ
|
+46.0% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 2.0% in tier |
| AMR |
$12,573
-8.5% YoY-0.1% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
0.1%
+13.1% YoY+2.9% QoQ
|
-24.3% |
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)