BlastPoint's Credit Union Scorecard
ALLEGIUS
Charter #17389 · IN
ALLEGIUS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.43% above tier average
- + Share Certificate Concentration (%): Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 2.20% above tier (higher cost structure)
- - Delinquency rate 1.07% above tier average
- - Member decline: -9.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,180
-9.5% YoY-0.6% QoQ
|
-4.0K |
15,145
-2.5% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$179.5M
-1.9% YoY+2.2% QoQ
|
$-52.2M |
$231.7M
+0.8% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$86.9M
-5.1% YoY-4.9% QoQ
|
$-57.2M |
$144.1M
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$158.1M
-3.7% YoY+2.3% QoQ
|
$-43.1M |
$201.1M
+0.4% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.1%
-118.7% YoY-78.5% QoQ
|
-0.6% |
0.7%
+5.1% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.2% in tier |
| NIM |
4.1%
+1.8% YoY-4.3% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
80.2%
-23.1% YoY+7.0% QoQ
|
+2.2% |
78.0%
-1.7% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
1.8%
-20.3% YoY-14.5% QoQ
|
+1.1 |
0.8%
+7.1% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.4% in tier |
| Loan To Share |
55.0%
-1.4% YoY-7.0% QoQ
|
-15.4% |
70.4%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$21,915
+5.8% YoY+0.2% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
2.0%
-14.5% YoY-3.9% QoQ
|
-22.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % |
1.8%
-34.8% YoY-8.8% QoQ
|
-12.0% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)