BlastPoint's Credit Union Scorecard
RICHMOND LIGHT EMPLOYEES
Charter #17454 · IN
2556 CUs in <100M nationally
82 in IN
RICHMOND LIGHT EMPLOYEES has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -13.5% YoY
- - Total Members: Bottom 2.5% in tier
- - Member Growth Rate: Bottom 3.2% in tier
- - Deposit Growth Rate: Bottom 3.5% in tier
- - Members Per Employee (MPE): Bottom 4.5% in tier
- - Total Deposits: Bottom 5.1% in tier
- - Loan Growth Rate: Bottom 5.5% in tier
- - Total Assets: Bottom 6.5% in tier
- - Net Interest Margin (NIM): Bottom 8.4% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
135
-13.5% YoY-10.0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 2.5% in tier |
| Assets |
$1.2M
-6.7% YoY-3.8% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.5% in tier |
| Loans |
$945,681
-20.3% YoY-7.6% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.9% in tier |
| Deposits |
$690,841
-13.5% YoY-7.6% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.0% in tier |
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| ROA |
1.2%
+693.7% YoY+35.3% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
2.5%
+24.7% YoY-4.0% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio |
70.7%
-24.0% YoY+3.3% QoQ
|
-11.9% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
136.9%
-7.8% YoY-0.1% QoQ
|
+76.3% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 0.2% in tier |
| AMR |
$12,122
-4.8% YoY+2.6% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
22.9%
+1303.1% YoY+19.8% QoQ
|
-1.6% | 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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
4
Loan-to-Share Ratio
balance_sheet
Value:
136.89%
Peer Median: -
#4 of 2556
Top 0.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
485
Net Worth Ratio
risk
Value:
21.11%
Peer Median: -
#485 of 2556
Top 18.9% in <100M tier
Top Weaknesses (12 metrics)
2492
Total Members
engagement
Value:
135
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2474
Member Growth Rate
growth
Value:
-13.46%
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2467
Deposit Growth Rate
growth
Value:
-13.55%
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2442
Members Per Employee (MPE)
engagement
Value:
67.500
Peer Median: -
#2442 of 2556
Bottom 4.5% in <100M tier
2427
Total Deposits
balance_sheet
Value:
$690,841
Peer Median: -
#2427 of 2556
Bottom 5.1% in <100M tier
2416
Loan Growth Rate
growth
Value:
-20.32%
Peer Median: -
#2416 of 2556
Bottom 5.5% in <100M tier
2390
Total Assets
balance_sheet
Value:
$1.22M
Peer Median: -
#2390 of 2556
Bottom 6.5% in <100M tier
2343
Net Interest Margin (NIM)
profitability
Value:
2.52%
Peer Median: -
#2343 of 2556
Bottom 8.4% in <100M tier
2321
Asset Growth Rate
growth
Value:
-6.74%
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2278
Total Loans
balance_sheet
Value:
$945,681
Peer Median: -
#2278 of 2556
Bottom 10.9% in <100M tier