BlastPoint's Credit Union Scorecard
FO ME BO CO
Charter #19432 · IN
FO ME BO CO has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.46% above tier average
- + Net Interest Margin 0.62% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Efficiency Ratio: Top 6.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.3% in tier
- - Deposit Growth Rate: Bottom 3.4% in tier
- - Asset Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
686
+0.6% YoY+0.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$3.9M
-10.0% YoY-8.8% QoQ
|
$-26.2M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.6M
+4.0% YoY-1.0% QoQ
|
$-13.2M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$3.3M
-13.7% YoY-10.8% QoQ
|
$-22.4M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
2.1%
+142.1% YoY+4.3% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 5.9% in tier |
| NIM |
4.6%
+45.0% YoY+6.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
54.5%
-25.0% YoY+1.6% QoQ
|
-28.1% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 6.9% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
77.1%
+20.5% YoY+11.0% QoQ
|
+16.5% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$8,549
-7.3% YoY-7.1% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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)