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 0.64% 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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Delinquency rate 1.27% above tier average
- - Member decline: -9.3% YoY
- - Member Growth Rate: Bottom 3.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,245
-9.3% YoY-1.6% QoQ
|
-4.2K |
15,437
-2.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$175.6M
-0.7% YoY-1.2% QoQ
|
$-56.3M |
$231.9M
+1.3% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$91.4M
-4.3% YoY-4.1% QoQ
|
$-55.9M |
$147.3M
-0.1% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$154.6M
-3.4% YoY-1.7% QoQ
|
$-46.3M |
$200.8M
+0.8% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
0.6%
-5.9% YoY+118.7% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
4.2%
+5.3% YoY+1.5% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
75.0%
-1.1% YoY-8.2% QoQ
|
-2.0% |
77.0%
-3.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
2.2%
+41.4% YoY+7.0% QoQ
|
+1.3 |
0.9%
+4.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 6.0% in tier |
| Loan To Share |
59.1%
-1.0% YoY-2.5% QoQ
|
-13.1% |
72.2%
-1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$21,873
+6.2% YoY-1.0% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
2.1%
-19.8% YoY-4.0% QoQ
|
-22.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
2.0%
-35.4% YoY-10.0% QoQ
|
-11.8% | 13.8% | 10.7% | 7.8% | 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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)