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 2.04% above tier average
- + Net Interest Margin 2.44% above tier average
- + Loan-to-Share Ratio: Top 1.9% in tier
- + Net Worth Ratio: Top 4.2% in tier
- + Efficiency Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.14% above tier average
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 +0.0% year over year ($24.7M in shares and deposits).
- Membership: 3,985 members, -1.3% vs a year ago.
- Delinquency rate 1.68%.
- Return on assets 3.53%.
- Efficiency ratio 53.64% vs a 88.77% peer average.
- Loan-to-share ratio 105.10% 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 |
3,985
-1.3% YoY+0.1% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$37.2M
+3.8% YoY-0.9% QoQ
|
+$6.9M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$26.0M
-0.2% YoY+1.6% QoQ
|
+$10.5M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$24.7M
+0.0% YoY-2.6% QoQ
|
$-1.1M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
3.5%
-12.1% YoY+1.1% QoQ
|
+2.0% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 3.0% in tier |
| NIM |
6.3%
-4.9% YoY+1.4% QoQ
|
+2.4% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
53.6%
+10.2% YoY+0.3% QoQ
|
-35.1% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Top 6.6% in tier |
| Delinquency Rate |
1.7%
+65.2% YoY-15.5% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
105.1%
-0.2% YoY+4.4% QoQ
|
+46.2% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 2.1% in tier |
| AMR |
$12,734
+1.2% YoY-0.6% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
0.1%
+0.8% YoY+2.9% QoQ
|
-24.4% | 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)