BlastPoint's Credit Union Scorecard

A H E PLANT 3

Charter #17339 · IN

<100M
2556 CUs in <100M nationally 82 in IN

A H E PLANT 3 demonstrates 6 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.72% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Asset Growth Rate: Top 6.3% in tier
  • + Deposit Growth Rate: Top 7.7% in tier
  • + Efficiency Ratio: Top 7.7% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 1,467
0% YoY-0.2% QoQ
-1.1K 2,615
-1.9% YoY
22,624
+3.2% YoY
33,374
+5.7% YoY
40%
Assets $12.1M
+11.6% YoY+5.8% QoQ
$-18.0M $30.1M
+2.1% YoY
$390.3M
+10.1% YoY
$561.6M
+9.7% YoY
36%
Loans $3.5M
-0.2% YoY-1.5% QoQ
$-12.2M $15.8M
-1.3% YoY
$281.2M
+8.6% YoY
$397.0M
+8.8% YoY
27%
Deposits $9.8M
+11.3% YoY+6.4% QoQ
$-15.9M $25.7M
+1.4% YoY
$327.7M
+9.9% YoY
$477.3M
+9.7% YoY
36%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 2.3%
-3.2% YoY+2.1% QoQ
+1.7% 0.6%
+10.8% YoY
0.9%
+52.7% YoY
0.7%
+15.9% YoY
Top 3.5% in tier
NIM 4.2%
-2.1% YoY-0.2% QoQ
+0.2% 4.0%
+4.0% YoY
3.9%
+8.6% YoY
3.8%
+5.1% YoY
62%
Efficiency Ratio 55.6%
+1.9% YoY-1.4% QoQ
-26.9% 82.6%
-2.3% YoY
78.1%
-3.9% YoY
79.7%
-3.3% YoY
Top 7.7% in tier
Delinquency Rate 0.0%
-100.0% YoY
-1.6 1.6%
-3.1% YoY
1.3%
+9.0% YoY
1.3%
-2.1% YoY
Top 0.1% in tier
Loan To Share 36.2%
-10.4% YoY-7.5% QoQ
-24.4% 60.6%
-3.1% YoY
69.9%
+0.6% YoY
67.4%
-1.7% YoY
16%
AMR $9,097
+8.0% YoY+4.4% QoQ
$-6K $14,783
-1.4% YoY
$18,520
+5.2% YoY
$19,687
+2.0% YoY
24%
CD Concentration 10.0%
+31.9% YoY+0.0% QoQ
-14.4% 24.4% 19.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 10.7% 7.8% 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 2556 peers in tier

Top Strengths (9 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
90
Return on Assets (ROA)
profitability
Value: 2.34%
Peer Median: -
#90 of 2556 Top 3.5% in <100M tier
162
Asset Growth Rate
growth
Value: 11.64%
Peer Median: -
#162 of 2556 Top 6.3% in <100M tier
197
Deposit Growth Rate
growth
Value: 11.30%
Peer Median: -
#197 of 2556 Top 7.7% in <100M tier
199
Efficiency Ratio
profitability
Value: 55.62%
Peer Median: -
#199 of 2556 Top 7.7% in <100M tier
370
AMR Growth Rate
growth
Value: 7.98%
Peer Median: -
#370 of 2556 Top 14.4% in <100M tier
407
Members Per Employee (MPE)
engagement
Value: 489.000
Peer Median: -
#407 of 2556 Top 15.9% in <100M tier

Top Weaknesses (3 metrics)

2154
Loan-to-Share Ratio
balance_sheet
Value: 36.20%
Peer Median: -
#2154 of 2556 Bottom 15.8% in <100M tier
2120
Loan-to-Member Ratio (LMR)
engagement
Value: $2,418
Peer Median: -
#2120 of 2556 Bottom 17.1% in <100M tier
1950
Average Member Relationship (AMR)
engagement
Value: $9,097
Peer Median: -
#1950 of 2556 Bottom 23.7% in <100M tier
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