BlastPoint's Credit Union Scorecard
PURDUE
Charter #19307 · IN
PURDUE has 5 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 33.3% in tier
- + Organic Growth Leader: Top 53.2% in tier
- + ROA 0.16% above tier average
- + Total Delinquency Rate (60+ days): Top 3.6% in tier
- + Net Charge-Off Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 97.1% in tier
- - Credit Risk Growth: Bottom 98.2% in tier
- - Efficiency ratio 3.76% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
111,039
+3.1% YoY+0.3% QoQ
|
+13.6K |
97,431
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$2.1B
+5.5% YoY+1.9% QoQ
|
+$372.1M |
$1.7B
+0.9% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$1.5B
+2.9% YoY+2.0% QoQ
|
+$285.4M |
$1.2B
+0.5% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$1.8B
+5.2% YoY+2.1% QoQ
|
+$342.3M |
$1.5B
+0.9% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.8%
+37.5% YoY+0.3% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.0%
+7.0% YoY+0.6% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
77.8%
-4.8% YoY-0.8% QoQ
|
+3.8% |
74.1%
-9.5% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.2%
+9.2% YoY+24.9% QoQ
|
-0.7 |
0.9%
+6.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
84.4%
-2.2% YoY-0.1% QoQ
|
-0.4% |
84.8%
-0.8% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$29,913
+1.0% YoY+1.7% QoQ
|
+$485 |
$29,428
+2.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
18.4%
-1.4% YoY-1.2% QoQ
|
-10.6% | 29.0% | 19.3% | 19.8% | Bottom 10.9% in tier |
| Indirect Auto % |
0.5%
+0.6% YoY+3.0% QoQ
|
-17.9% | 18.3% | 10.7% | 7.8% | 15% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)