BlastPoint's Credit Union Scorecard
RICHMOND LIGHT EMPLOYEES
Charter #17454 · IN
<100M
2508 CUs in <100M nationally
80 in IN
RICHMOND LIGHT EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
- - Efficiency ratio 41.94% above tier (higher cost structure)
- - Member decline: -18.7% YoY
- - Total Members: Bottom 2.1% in tier
- - Member Growth Rate: Bottom 2.2% in tier
- - Deposit Growth Rate: Bottom 2.4% in tier
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Members Per Employee (MPE): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
122
-18.7% YoY-9.6% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 2.0% in tier |
| Assets |
$1.2M
-8.1% YoY-2.6% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.3% in tier |
| Loans |
$947,160
-15.6% YoY+0.2% QoQ
|
$-14.3M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.2% in tier |
| Deposits |
$656,429
-16.0% YoY-5.0% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.6%
-155.0% YoY-151.1% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.0% in tier |
| NIM |
1.7%
-35.7% YoY-31.9% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
132.6%
+117.2% YoY+87.6% QoQ
|
+41.9% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
144.3%
+0.5% YoY+5.4% QoQ
|
+85.8% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Top 0.1% in tier |
| AMR |
$13,144
+3.6% YoY+8.4% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
20.0%
+298.0% YoY-12.5% QoQ
|
-4.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Loan-to-Share Ratio
balance_sheet
Value:
144.29%
Peer Median: 58.72%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
450
Net Worth Ratio
risk
Value:
21.51%
Peer Median: 14.28%
#450 of 2508
Top 17.9% in <100M tier
482
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,764
Peer Median: $4,923
#482 of 2508
Top 19.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (13 metrics)
2457
Total Members
engagement
Value:
122
Peer Median: 1,918
#2457 of 2508
Bottom 2.1% in <100M tier
2453
Member Growth Rate
growth
Value:
-18.67%
Peer Median: -1.37%
#2453 of 2508
Bottom 2.2% in <100M tier
2449
Deposit Growth Rate
growth
Value:
-15.98%
Peer Median: 0.66%
#2449 of 2508
Bottom 2.4% in <100M tier
2441
Net Interest Margin (NIM)
profitability
Value:
1.72%
Peer Median: 3.83%
#2441 of 2508
Bottom 2.7% in <100M tier
2404
Members Per Employee (MPE)
engagement
Value:
61.000
Peer Median: 333.750
#2404 of 2508
Bottom 4.2% in <100M tier
2402
Efficiency Ratio
profitability
Value:
132.57%
Peer Median: 81.45%
#2402 of 2508
Bottom 4.3% in <100M tier
2391
Total Deposits
balance_sheet
Value:
$656,429
Peer Median: $18.77M
#2391 of 2508
Bottom 4.7% in <100M tier
2350
Total Assets
balance_sheet
Value:
$1.19M
Peer Median: $21.86M
#2350 of 2508
Bottom 6.3% in <100M tier
2325
Asset Growth Rate
growth
Value:
-8.12%
Peer Median: 1.30%
#2325 of 2508
Bottom 7.3% in <100M tier
2236
Loan Growth Rate
growth
Value:
-15.59%
Peer Median: -2.36%
#2236 of 2508
Bottom 10.9% in <100M tier