BlastPoint's Credit Union Scorecard

FINANCIAL BUILDERS

Charter #16213 · IN

100M-500M

1070 CUs in 100M-500M nationally 21 in IN

FINANCIAL BUILDERS has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.38% above tier average
+ Net Charge-Off Rate: Top 1.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency ratio 1.70% above tier (higher cost structure)
- Member decline: -2.2% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	10,144 -2.2% YoY-0.2% QoQ	-5.0K	15,145 -2.5% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	33%
Assets	$154.9M -0.0% YoY+3.6% QoQ	$-76.8M	$231.7M +0.8% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	33%
Loans	$94.5M -1.3% YoY-1.3% QoQ	$-49.6M	$144.1M +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	34%
Deposits	$135.3M -0.8% YoY+3.6% QoQ	$-65.9M	$201.1M +0.4% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +84.3% YoY+184.4% QoQ	+0.4%	0.7% +5.1% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	76%
NIM	3.7% +2.5% YoY-1.6% QoQ	+0.0%	3.6% +4.6% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	79.7% -7.3% YoY-8.2% QoQ	+1.7%	78.0% -1.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.8% -5.1% YoY-18.8% QoQ	+0.0	0.8% +7.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	64%
Loan To Share	69.9% -0.5% YoY-4.7% QoQ	-0.5%	70.4% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	46%
AMR	$22,653 +1.3% YoY+1.7% QoQ	$-2K	$24,918 +2.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	48%
CD Concentration	25.0% +8.5% YoY-0.3% QoQ	+0.7%	24.3%	18.9%	19.8%	50%
Indirect Auto %	21.8% +0.2% YoY-1.2% QoQ	+8.0%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#234 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.22%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.26%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.78%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#331 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.22%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#433 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.04%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.75%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.22%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Institutional Decline

decline

#226 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $154.87M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -2.22%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.26%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

Net Charge-Off Rate

risk

Value: -0.05%

Peer Median: 0.35%

#17 of 1070 Top 1.5% in 100M-500M tier

164

Fee Income Per Member

profitability

Value: $230.93

Peer Median: $154.95

#164 of 1070 Top 15.2% in 100M-500M tier

167

Members Per Employee (MPE)

engagement

Value: 422.667

Peer Median: 309.176

#167 of 1070 Top 15.5% in 100M-500M tier

261

Return on Assets (ROA)

profitability

Value: 1.11%

Peer Median: 0.69%

#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (3 metrics)

897

Deposit Growth Rate

growth

Value: -0.76%

Peer Median: 3.30%

#897 of 1070 Bottom 16.3% in 100M-500M tier

886

Asset Growth Rate

growth

Value: -0.04%

Peer Median: 3.91%

#886 of 1070 Bottom 17.3% in 100M-500M tier

805

Indirect Auto Concentration (%)

balance_sheet

Value: 21.75%

Peer Median: 6.61%

#805 of 1070 Bottom 24.9% in 100M-500M tier