BlastPoint's Credit Union Scorecard

WEATHERHEAD C C

Charter #16732 ยท IN

2596 CUs in <100M nationally 82 in IN

WEATHERHEAD C C has 4 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.25% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 4.4% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -5.6% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 2,025
-5.6% YoY-0.3% QoQ
-600 2,625
-2.2% YoY
22,637
+3.1% YoY
33,089
+6.1% YoY
51%
Assets $23.7M
+2.4% YoY+1.5% QoQ
$-6.2M $29.9M
+1.1% YoY
$383.9M
+8.8% YoY
$547.7M
+7.8% YoY
53%
Loans $9.0M
+2.9% YoY+2.2% QoQ
$-6.7M $15.8M
-2.4% YoY
$276.9M
+7.4% YoY
$388.7M
+8.6% YoY
48%
Deposits $20.4M
+0.4% YoY+0.8% QoQ
$-5.1M $25.5M
+0.4% YoY
$323.0M
+10.5% YoY
$464.6M
+9.3% YoY
53%

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ROA 1.9%
+35.4% YoY+4.7% QoQ
+1.3% 0.7%
-731.4% YoY
0.9%
+24.5% YoY
0.7%
+273.4% YoY
Top 10.1% in tier
NIM 3.7%
+11.5% YoY+2.5% QoQ
-0.2% 3.9%
+3.8% YoY
3.8%
+8.0% YoY
3.7%
+5.0% YoY
43%
Efficiency Ratio 56.7%
-11.5% YoY-2.6% QoQ
-24.7% 81.4%
-2.4% YoY
77.7%
-3.5% YoY
79.1%
-3.3% YoY
Bottom 10.7% in tier
Delinquency Rate 0.5%
-21.6% YoY+65.6% QoQ
-1.0 1.5%
-2.0% YoY
1.3%
+19.3% YoY
1.2%
-0.9% YoY
40%
Loan To Share 44.4%
+2.5% YoY+1.3% QoQ
-16.9% 61.2%
-3.0% YoY
69.6%
-2.1% YoY
68.0%
-1.7% YoY
24%
AMR $14,529
+7.2% YoY+1.5% QoQ
$-98 $14,627
-2.7% YoY
$18,326
+4.3% YoY
$19,418
+1.3% YoY
55%
CD Concentration 0.9%
-11.6% YoY-0.1% QoQ
-23.5% 24.4%
+4.2% YoY
19.0%
+9.9% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
11.0%
-3.5% YoY
7.9%
-2.9% YoY
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)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
114
Net Charge-Off Rate
risk
Value: -0.11%
Peer Avg: -
#114 of 2596 Top 4.4% in <100M tier
261
Return on Assets (ROA)
profitability
Value: 1.94%
Peer Avg: -
#261 of 2596 Top 10.0% in <100M tier
278
Efficiency Ratio
profitability
Value: 56.72%
Peer Avg: -
#278 of 2596 Top 10.7% in <100M tier
440
AMR Growth Rate
growth
Value: 7.17%
Peer Avg: -
#440 of 2596 Top 16.9% in <100M tier
646
Share Certificate Concentration (%)
balance_sheet
Value: 0.87%
Peer Avg: -
#646 of 2596 Top 24.8% in <100M tier

Top Weaknesses (2 metrics)

2215
Member Growth Rate
growth
Value: -5.59%
Peer Avg: -
#2215 of 2596 Bottom 14.7% in <100M tier
1964
Loan-to-Share Ratio
balance_sheet
Value: 44.37%
Peer Avg: -
#1964 of 2596 Bottom 24.4% in <100M tier
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