BlastPoint's Credit Union Scorecard
HOMETOWN
Charter #1621 · IN
HOMETOWN has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.34% above tier average
- + Net Interest Margin 2.24% above tier average
- + Loan-to-Share Ratio: Top 3.0% in tier
- + Net Worth Ratio: Top 4.7% in tier
- + Efficiency Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,982
-0.3% YoY+0.4% QoQ
|
+1.3K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$37.5M
+3.5% YoY+3.2% QoQ
|
+$7.3M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$25.6M
-0.1% YoY-0.8% QoQ
|
+$10.3M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$25.4M
-0.4% YoY+3.5% QoQ
|
$-370K |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
3.5%
-7.8% YoY-12.5% QoQ
|
+3.3% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 1.5% in tier |
| NIM |
6.2%
-2.5% YoY-7.0% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
53.5%
+7.9% YoY+10.8% QoQ
|
-37.2% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
2.0%
+43.9% YoY-3.4% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
100.7%
+0.3% YoY-4.2% QoQ
|
+42.2% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Top 3.1% in tier |
| AMR |
$12,806
+0.1% YoY+0.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
0.1%
+1.2% YoY-3.2% QoQ
|
-24.1% | 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)