BlastPoint's Credit Union Scorecard
PURDUE
Charter #19307 · IN
PURDUE has 6 strengths but faces 1 concern
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Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 13.8% in tier
- + Organic Growth Engine: Top 14.0% in tier
- + Organic Growth Leader: Top 20.4% in tier
- + ROA 0.14% above tier average
- + Total Delinquency Rate (60+ days): Top 3.3% in tier
- + Net Charge-Off Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.44% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
110,680
+2.9% YoY+0.7% QoQ
|
+12.0K |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$2.1B
+6.1% YoY+0.2% QoQ
|
+$336.2M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$1.5B
+1.1% YoY+0.8% QoQ
|
+$257.0M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$1.8B
+6.3% YoY-0.5% QoQ
|
+$310.8M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
0.8%
+41.2% YoY+29.0% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.0%
+6.0% YoY+2.0% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
78.4%
-4.2% YoY-3.3% QoQ
|
+4.4% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.1%
-21.6% YoY+11.2% QoQ
|
-0.7 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 3.3% in tier |
| Loan To Share |
84.4%
-4.9% YoY+1.3% QoQ
|
-0.8% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$29,411
+0.9% YoY-0.6% QoQ
|
+$238 |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
18.6%
+1.6% YoY+2.7% QoQ
|
-10.4% |
29.0%
+0.7% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
Bottom 10.5% in tier |
| Indirect Auto % |
0.4%
-12.6% YoY+6.2% QoQ
|
-18.3% |
18.8%
-3.0% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
15% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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 (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)