BlastPoint's Credit Union Scorecard
BATTERY EMPLOYEES
Charter #17588 · IN
<100M
2508 CUs in <100M nationally
80 in IN
BATTERY EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.48% above tier average
- + Net Worth Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 8.02% above tier (higher cost structure)
- - Delinquency rate 1.59% above tier average
- - Member decline: -11.9% YoY
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.7% in tier
- - Total Members: Bottom 3.8% in tier
- - Member Growth Rate: Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
177
-11.9% YoY-3.8% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 3.8% in tier |
| Assets |
$880,337
-12.8% YoY-8.7% QoQ
|
$-29.3M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.6% in tier |
| Loans |
$393,518
-12.3% YoY-3.6% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.4% in tier |
| Deposits |
$637,355
-18.3% YoY-11.7% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.6% 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 |
0.1%
-85.6% YoY-95.2% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
5.5%
-7.0% YoY-22.1% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
98.7%
+8.1% YoY+36.7% QoQ
|
+8.0% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
3.1%
-68.5% YoY-11.2% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.9% in tier |
| Loan To Share |
61.7%
+7.3% YoY+9.1% QoQ
|
+3.2% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$5,824
-4.7% YoY-5.1% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.2% in tier |
| CD Concentration | 0.0% | -24.3% | 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 (6 metrics)
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
160
Net Interest Margin (NIM)
profitability
Value:
5.49%
Peer Median: 3.83%
#160 of 2508
Top 6.3% in <100M tier
196
Net Worth Ratio
risk
Value:
27.35%
Peer Median: 14.28%
#196 of 2508
Top 7.8% 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 (16 metrics)
2465
Deposit Growth Rate
growth
Value:
-18.27%
Peer Median: 0.66%
#2465 of 2508
Bottom 1.8% in <100M tier
2441
Asset Growth Rate
growth
Value:
-12.83%
Peer Median: 1.30%
#2441 of 2508
Bottom 2.7% in <100M tier
2413
Total Members
engagement
Value:
177
Peer Median: 1,918
#2413 of 2508
Bottom 3.8% in <100M tier
2394
Member Growth Rate
growth
Value:
-11.94%
Peer Median: -1.37%
#2394 of 2508
Bottom 4.6% in <100M tier
2393
Total Assets
balance_sheet
Value:
$880,337
Peer Median: $21.86M
#2393 of 2508
Bottom 4.6% in <100M tier
2393
Total Deposits
balance_sheet
Value:
$637,355
Peer Median: $18.77M
#2393 of 2508
Bottom 4.6% in <100M tier
2374
Members Per Employee (MPE)
engagement
Value:
88.500
Peer Median: 333.750
#2374 of 2508
Bottom 5.4% in <100M tier
2347
Total Loans
balance_sheet
Value:
$393,518
Peer Median: $9.48M
#2347 of 2508
Bottom 6.5% in <100M tier
2245
Fee Income Per Member
profitability
Value:
$2.03
Peer Median: $60.42
#2245 of 2508
Bottom 10.5% in <100M tier
2236
Total Delinquency Rate (60+ days)
risk
Value:
3.09%
Peer Median: 0.65%
#2236 of 2508
Bottom 10.9% in <100M tier