BlastPoint's Credit Union Scorecard
FINANCIAL HEALTH
Charter #20793 · IN
FINANCIAL HEALTH has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.87% above tier average
- + Fee Income Per Member: Top 5.7% in tier
- + Total Members: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 4.57% below tier average
- - Efficiency ratio 7.77% above tier (higher cost structure)
- - Delinquency rate 1.57% above tier average
- - Member decline: -12.0% YoY
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Member Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,544
-12.0% YoY-10.7% QoQ
|
+3.9K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Top 6.7% in tier |
| Assets |
$31.5M
-4.5% YoY+1.8% QoQ
|
+$1.3M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$12.3M
-7.5% YoY-9.5% QoQ
|
$-3.0M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
57% |
| Deposits |
$28.0M
-4.0% YoY+3.7% QoQ
|
+$2.2M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
-4.4%
-451.0% YoY-846.0% QoQ
|
-4.6% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.9% in tier |
| NIM |
4.9%
-1.5% YoY-7.5% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 13.8% in tier |
| Efficiency Ratio |
98.4%
+6.8% YoY+17.0% QoQ
|
+7.8% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
3.1%
+5.6% YoY-28.1% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.1% in tier |
| Loan To Share |
43.9%
-3.7% YoY-12.7% QoQ
|
-14.6% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$6,156
+7.8% YoY+11.2% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.2% in tier |
| CD Concentration |
10.5%
+26.1% YoY+1.4% QoQ
|
-13.8% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % |
2.5%
-39.6% YoY-5.7% QoQ
|
-11.3% | 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)