BlastPoint's Credit Union Scorecard
BATTERY EMPLOYEES
Charter #17588 · IN
BATTERY EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 3.27% above tier average
- + Net Worth Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.09% above tier average
- - Deposit Growth Rate: Bottom 1.2% in tier
- - Asset Growth Rate: Bottom 2.2% in tier
- - AMR Growth Rate: Bottom 3.5% in tier
- - Total Members: Bottom 3.5% in tier
- - Total Deposits: Bottom 4.3% in tier
- - Total Assets: Bottom 4.3% in tier
- - Total Loans: Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -22.5% year over year ($597K in shares and deposits).
- Membership: 168 members, -0.6% vs a year ago.
- Delinquency rate 2.64%.
- Return on assets 1.77%.
- Efficiency ratio 75.54% vs a 88.77% peer average.
- Loan-to-share ratio 68.22% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
168
-0.6% YoY-5.1% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Bottom 3.5% in tier |
| Assets |
$846,679
-15.6% YoY-3.8% QoQ
|
$-29.4M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.3% in tier |
| Loans |
$407,331
-5.0% YoY+3.5% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.5% in tier |
| Deposits |
$597,061
-22.5% YoY-6.3% QoQ
|
$-25.2M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.2% in tier |
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| ROA |
1.8%
+79.3% YoY+2274.0% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 13.7% in tier |
| NIM |
7.2%
+20.8% YoY+30.6% QoQ
|
+3.3% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
75.5%
-9.5% YoY-23.4% QoQ
|
-13.2% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
37% |
| Delinquency Rate |
2.6%
-63.9% YoY-14.7% QoQ
|
+1.1 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
85% |
| Loan To Share |
68.2%
+22.6% YoY+10.5% QoQ
|
+9.3% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$5,979
-15.8% YoY+2.7% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.7% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)