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 2.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.5% in tier
- + Efficiency Ratio: Top 3.8% in tier
- + Net Worth Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.51% above tier average
- - Deposit Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,965
-1.0% YoY-0.2% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$36.4M
-2.1% YoY+2.3% QoQ
|
+$6.2M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$25.8M
+1.3% YoY-0.1% QoQ
|
+$10.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$24.6M
-8.3% YoY+1.9% QoQ
|
$-1.1M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
4.0%
+15.8% YoY-1.5% QoQ
|
+3.4% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 0.7% in tier |
| NIM |
6.7%
+10.4% YoY-0.9% QoQ
|
+2.8% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 1.7% in tier |
| Efficiency Ratio |
48.3%
-7.2% YoY+1.1% QoQ
|
-34.3% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
2.1%
+59.6% YoY+87.3% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
105.1%
+10.5% YoY-2.0% QoQ
|
+44.5% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 2.6% in tier |
| AMR |
$12,699
-2.6% YoY+1.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
0.1%
+9.9% YoY-1.7% QoQ
|
-24.3% | 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)