BlastPoint's Credit Union Scorecard
BATTERY EMPLOYEES
Charter #17588 · IN
2556 CUs in <100M nationally
82 in IN
BATTERY EMPLOYEES has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Net Interest Margin 3.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.93% above tier average
- - Member decline: -16.4% YoY
- - Member Growth Rate: Bottom 2.2% in tier
- - Total Members: Bottom 4.1% in tier
- - Total Assets: Bottom 5.1% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 5.5% in tier
- - Total Loans: Bottom 6.4% in tier
- - Fee Income Per Member: Bottom 8.5% in tier
- - Net Charge-Off Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
184
-16.4% YoY-1.1% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 4.0% in tier |
| Assets |
$964,572
-3.8% YoY-1.0% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.0% in tier |
| Loans |
$408,153
-12.7% YoY-2.5% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.3% in tier |
| Deposits |
$721,536
-6.9% YoY-2.4% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.3% in tier |
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| ROA |
1.6%
+180.4% YoY+50.3% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 14.4% in tier |
| NIM |
7.1%
+19.6% YoY+16.2% QoQ
|
+3.1% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
72.2%
-20.3% YoY-11.5% QoQ
|
-10.4% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
3.5%
-69.2% YoY-15.4% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 10.6% in tier |
| Loan To Share |
56.6%
-6.2% YoY-0.1% QoQ
|
-4.0% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$6,140
+8.7% YoY-1.4% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.2% in tier |
| CD Concentration | 0.0% | -24.4% | 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 (7 metrics)
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
32
Net Interest Margin (NIM)
profitability
Value:
7.05%
Peer Median: -
#32 of 2556
Top 1.2% in <100M tier
292
Net Worth Ratio
risk
Value:
24.94%
Peer Median: -
#292 of 2556
Top 11.4% in <100M tier
314
AMR Growth Rate
growth
Value:
8.68%
Peer Median: -
#314 of 2556
Top 12.2% in <100M tier
368
Return on Assets (ROA)
profitability
Value:
1.57%
Peer Median: -
#368 of 2556
Top 14.4% in <100M tier
Top Weaknesses (14 metrics)
2500
Member Growth Rate
growth
Value:
-16.36%
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2453
Total Members
engagement
Value:
184
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2427
Total Assets
balance_sheet
Value:
$964,572
Peer Median: -
#2427 of 2556
Bottom 5.1% in <100M tier
2421
Total Deposits
balance_sheet
Value:
$721,536
Peer Median: -
#2421 of 2556
Bottom 5.3% in <100M tier
2416
Members Per Employee (MPE)
engagement
Value:
92.000
Peer Median: -
#2416 of 2556
Bottom 5.5% in <100M tier
2394
Total Loans
balance_sheet
Value:
$408,153
Peer Median: -
#2394 of 2556
Bottom 6.4% in <100M tier
2340
Fee Income Per Member
profitability
Value:
$1.71
Peer Median: -
#2340 of 2556
Bottom 8.5% in <100M tier
2320
Net Charge-Off Rate
risk
Value:
1.48%
Peer Median: -
#2320 of 2556
Bottom 9.3% in <100M tier
2285
Total Delinquency Rate (60+ days)
risk
Value:
3.48%
Peer Median: -
#2285 of 2556
Bottom 10.6% in <100M tier
2243
Average Member Relationship (AMR)
engagement
Value:
$6,140
Peer Median: -
#2243 of 2556
Bottom 12.3% in <100M tier