BlastPoint's Credit Union Scorecard
NORTHERN INDIANA
Charter #168 · IN
NORTHERN INDIANA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Members Per Employee (MPE): Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 7.74% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
- - Net Worth Ratio: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,703
-2.0% YoY+0.3% QoQ
|
+3.1K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 10.8% in tier |
| Assets |
$39.6M
-3.2% YoY-0.6% QoQ
|
+$9.8M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$27.5M
+2.0% YoY+0.1% QoQ
|
+$11.8M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$35.2M
-5.7% YoY-0.9% QoQ
|
+$9.7M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
0.3%
-15.8% YoY+303.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
4.2%
+12.3% YoY+1.8% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
89.1%
-0.3% YoY-0.2% QoQ
|
+7.7% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.6%
+63.0% YoY+14.1% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
45% |
| Loan To Share |
78.3%
+8.2% YoY+1.0% QoQ
|
+17.0% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$10,995
-0.5% YoY-0.7% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
0.7%
+79.0% YoY-6.0% QoQ
|
-23.7% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
34.7%
+4.7% YoY+2.5% QoQ
|
+20.7% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)