BlastPoint's Credit Union Scorecard
COMMUNITYWIDE
Charter #18336 · IN
COMMUNITYWIDE has 5 strengths but faces 13 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.67% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.9% in tier
- + Efficiency Ratio: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.7% in tier
- - Stagnation Risk: Bottom 13.9% in tier
- - Institutional Decline: Bottom 20.5% in tier
- - Membership Headwinds: Bottom 57.0% in tier
- - Credit Quality Pressure: Bottom 82.1% in tier
- - Delinquency rate 2.30% above tier average
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Indirect Auto Concentration (%): Bottom 0.9% in tier
- - Fee Income Per Member: Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Loan Growth Rate: Bottom 4.3% in tier
- - Share Certificate Concentration (%): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,889
-2.3% YoY-1.5% QoQ
|
+16.8K |
52,084
-1.6% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 12.0% in tier |
| Assets |
$869.0M
+3.8% YoY+1.2% QoQ
|
+$5.1M |
$863.9M
+0.5% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$611.5M
-7.1% YoY-3.6% QoQ
|
+$5.6M |
$605.8M
+1.4% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$750.0M
+3.2% YoY+1.1% QoQ
|
+$12.7M |
$737.3M
+0.1% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
1.0%
+314.9% YoY-0.2% QoQ
|
+0.3% |
0.7%
+39.1% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
4.1%
+12.8% YoY-0.3% QoQ
|
+0.7% |
3.4%
+8.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
44.5%
-3.4% YoY+0.2% QoQ
|
-29.9% |
74.3%
-3.6% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate |
3.2%
+2.0% YoY+0.5% QoQ
|
+2.3 |
0.9%
+3.8% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 1.7% in tier |
| Loan To Share |
81.5%
-10.0% YoY-4.6% QoQ
|
-1.0% |
82.6%
+1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$19,763
+0.6% YoY+0.4% QoQ
|
$-9K |
$28,873
+2.7% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
42.0%
+10.2% YoY+2.3% QoQ
|
+17.6% | 24.4% | 19.3% | 19.8% | Top 5.2% in tier |
| Indirect Auto % |
75.5%
-3.6% YoY-1.0% QoQ
|
+61.7% | 13.8% | 10.7% | 7.8% | Top 0.5% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)