BlastPoint's Credit Union Scorecard
COMMUNITYWIDE
Charter #18336 · IN
COMMUNITYWIDE has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + First Mortgage Concentration (%): Top 0.1% in tier
- + Efficiency Ratio: Top 1.7% in tier
- + Members Per Employee (MPE): Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 3.8% in tier
- - Indirect Auto Dependency: Bottom 44.7% in tier
- - Stagnation Risk: Bottom 81.0% in tier
- - Membership Headwinds: Bottom 81.0% in tier
- - ROA 0.37% below tier average
- - Delinquency rate 1.87% above tier average
- - Member decline: -3.1% YoY
- - Indirect Auto Concentration (%): Bottom 0.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,337
-3.1% YoY-0.8% QoQ
|
+16.8K |
51,500
+0.7% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Top 11.1% in tier |
| Assets |
$876.3M
+4.7% YoY+0.8% QoQ
|
+$10.6M |
$865.6M
+0.9% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$604.0M
-7.5% YoY-1.2% QoQ
|
+$8.8M |
$595.3M
+1.6% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$756.7M
+4.4% YoY+0.9% QoQ
|
+$14.5M |
$742.2M
+0.6% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
61% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-43.8% YoY-60.9% QoQ
|
-0.4% |
0.8%
+45.0% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
4.1%
-0.2% YoY+0.4% QoQ
|
+0.6% |
3.5%
+6.1% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
48.0%
+12.7% YoY+7.9% QoQ
|
-27.6% |
75.5%
-3.4% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
2.5%
-4.1% YoY-20.0% QoQ
|
+1.9 |
0.7%
-0.1% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.7% in tier |
| Loan To Share |
79.8%
-11.3% YoY-2.1% QoQ
|
-0.8% |
80.6%
+0.7% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$19,912
+1.9% YoY+0.8% QoQ
|
$-9K |
$28,908
+0.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.1% in tier |
| CD Concentration |
43.0%
+9.2% YoY+2.4% QoQ
|
+18.8% | 24.3% | 18.9% | 19.8% | Top 4.0% in tier |
| Indirect Auto % |
74.1%
-5.1% YoY-1.8% QoQ
|
+60.3% | 13.8% | 10.4% | 7.7% | Bottom 0.5% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
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.
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)