BlastPoint's Credit Union Scorecard
FO ME BO CO
Charter #19432 · IN
FO ME BO CO has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.77% above tier average
- + Net Interest Margin 0.54% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
678
-1.5% YoY-1.2% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$4.0M
-13.7% YoY+1.0% QoQ
|
$-26.2M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$2.4M
+6.7% YoY-4.8% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$3.3M
-17.8% YoY+0.6% QoQ
|
$-22.5M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
1.9%
+31.2% YoY-7.9% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 7.7% in tier |
| NIM |
4.6%
+22.4% YoY-0.4% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
58.3%
-5.8% YoY+7.0% QoQ
|
-32.3% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Top 10.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
72.9%
+29.7% YoY-5.4% QoQ
|
+14.4% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$8,497
-7.6% YoY-0.6% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)