BlastPoint's Credit Union Scorecard
COMMUNITYWIDE
Charter #18336 · IN
COMMUNITYWIDE has 5 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 0.60% above tier average
- + First Mortgage Concentration (%): Top 0.1% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Members Per Employee (MPE): Top 1.8% in tier
- + Total Members: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 3.7% in tier
- - Indirect Auto Dependency: Bottom 60.7% in tier
- - Stagnation Risk: Bottom 78.2% in tier
- - Membership Headwinds: Bottom 78.2% in tier
- - ROA 0.19% below tier average
- - Delinquency rate 1.66% above tier average
- - Member decline: -2.5% YoY
- - Net Charge-Off Rate: Bottom 0.9% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Indiana.
- Shares and deposits +2.5% year over year ($753M in shares and deposits).
- Membership: 68,779 members, -2.5% vs a year ago.
- Delinquency rate 2.45%.
- Return on assets 0.65%.
- Efficiency ratio 47.29% vs a 74.54% peer average.
- Loan-to-share ratio 82.00% vs a 82.60% 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 |
68,779
-2.5% YoY+0.6% QoQ
|
+16.3K |
52,482
+1.3% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 10.8% in tier |
| Assets |
$873.9M
+3.1% YoY-0.3% QoQ
|
+$10.0M |
$863.9M
+0.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$617.1M
-4.8% YoY+2.2% QoQ
|
+$9.3M |
$607.8M
+2.1% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$752.5M
+2.5% YoY-0.6% QoQ
|
+$12.6M |
$739.9M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.7%
-21.4% YoY+65.7% QoQ
|
-0.2% |
0.8%
+30.4% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
4.1%
+0.5% YoY+0.9% QoQ
|
+0.6% |
3.5%
+6.2% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 12.6% in tier |
| Efficiency Ratio |
47.3%
+7.8% YoY-1.4% QoQ
|
-27.2% |
74.5%
-1.4% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
2.5%
-15.3% YoY-3.8% QoQ
|
+1.7 |
0.8%
+1.0% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
82.0%
-7.2% YoY+2.7% QoQ
|
-0.6% |
82.6%
+1.9% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$19,913
+1.6% YoY+0.0% QoQ
|
$-9K |
$28,702
+0.4% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.6% in tier |
| CD Concentration |
44.4%
+9.3% YoY+3.1% QoQ
|
+19.8% | 24.6% | 19.4% | 20.0% | Top 3.7% in tier |
| Indirect Auto % |
70.5%
-8.9% YoY-5.0% QoQ
|
+56.8% | 13.6% | 11.1% | 7.7% | Bottom 1.0% 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)