BlastPoint's Credit Union Scorecard

FINANCIAL PARTNERS

Charter #16619 · IN

<100M

2508 CUs in <100M nationally 80 in IN

FINANCIAL PARTNERS has 1 strength but faces 2 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 0.62% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.2% YoY
- First Mortgage Concentration (%): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	3,309 -3.2% YoY-1.1% QoQ	+632	2,676 +1.6% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	72%
Assets	$57.1M +3.2% YoY+0.1% QoQ	+$26.9M	$30.2M +1.3% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	81%
Loans	$24.4M +1.8% YoY-1.7% QoQ	+$9.1M	$15.3M -2.0% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	77%
Deposits	$51.4M +2.5% YoY-0.0% QoQ	+$25.6M	$25.8M +0.7% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	83%

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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	0.8% -13.7% YoY-30.7% QoQ	+0.6%	0.1% -77.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	58%
NIM	3.4% +6.9% YoY+3.4% QoQ	-0.6%	4.0% +4.0% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	81.1% +5.0% YoY+12.6% QoQ	-9.5%	90.6% +6.5% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	0.8% -1.6% YoY+3.6% QoQ	-0.7	1.5% +3.8% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	57%
Loan To Share	47.5% -0.6% YoY-1.7% QoQ	-11.1%	58.5% -3.0% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	32%
AMR	$22,902 +5.7% YoY+0.5% QoQ	+$8K	$14,884 -1.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	Top 12.8% in tier
CD Concentration	6.8% +18.8% YoY+3.6% QoQ	-17.5%	24.3%	18.9%	19.8%	50%
Indirect Auto %	1.9% +78.6% YoY+7.1% QoQ	-11.9%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

321

Average Member Relationship (AMR)

engagement

Value: $22,902

Peer Median: $13,926

#321 of 2508 Top 12.8% in <100M tier

427

Total Deposits

balance_sheet

Value: $51.39M

Peer Median: $18.77M

#427 of 2508 Top 17.0% in <100M tier

472

Total Assets

balance_sheet

Value: $57.06M

Peer Median: $21.86M

#472 of 2508 Top 18.8% in <100M tier

545

Loan-to-Member Ratio (LMR)

engagement

Value: $7,370

Peer Median: $4,923

#545 of 2508 Top 21.7% in <100M tier

561

AMR Growth Rate

growth

Value: 5.70%

Peer Median: 1.27%

#561 of 2508 Top 22.3% in <100M tier

576

Total Loans

balance_sheet

Value: $24.39M

Peer Median: $9.48M

#576 of 2508 Top 22.9% in <100M tier

627

Fee Income Per Member

profitability

Value: $109.68

Peer Median: $60.42

#627 of 2508 Top 25.0% in <100M tier

Top Weaknesses (3 metrics)

2335

First Mortgage Concentration (%)

balance_sheet

Value: 52.79%

Peer Median: 3.66%

#2335 of 2508 Bottom 6.9% in <100M tier

2189

Indirect Auto Concentration (%)

balance_sheet

Value: 1.89%

Peer Median: 0.00%

#2189 of 2508 Bottom 12.8% in <100M tier

2118

Net Worth Ratio

risk

Value: 9.77%

Peer Median: 14.28%

#2118 of 2508 Bottom 15.6% in <100M tier