BlastPoint's Credit Union Scorecard
FINANCIAL HEALTH
Charter #20793 · IN
FINANCIAL HEALTH has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.97% above tier average
- + Net Interest Margin 1.13% above tier average
- + Fee Income Per Member: Top 5.3% in tier
- + AMR Growth Rate: Top 5.7% in tier
- + Total Members: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 11.66% above tier (higher cost structure)
- - Delinquency rate 0.65% above tier average
- - Member decline: -17.9% YoY
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Member Growth Rate: Bottom 2.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -3.6% year over year ($27.0M in shares and deposits).
- Membership: 6,090 members, -17.9% vs a year ago.
- Delinquency rate 2.20%.
- Return on assets 3.47%.
- Efficiency ratio 100.43% vs a 88.77% peer average.
- Loan-to-share ratio 46.41% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,090
-17.9% YoY-6.9% QoQ
|
+3.5K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 8.5% in tier |
| Assets |
$30.2M
-5.2% YoY-4.0% QoQ
|
$-40K |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$12.5M
-11.9% YoY+1.8% QoQ
|
$-2.9M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$27.0M
-3.6% YoY-3.7% QoQ
|
+$1.2M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
3.5%
-178.4% QoQ
|
+2.0% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 3.1% in tier |
| NIM |
5.0%
+1.6% YoY+3.1% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
100.4%
+11.9% YoY+2.1% QoQ
|
+11.7% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
2.2%
+7.8% YoY-28.5% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
46.4%
-8.6% YoY+5.8% QoQ
|
-12.5% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$6,481
+14.0% YoY+5.3% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.9% in tier |
| CD Concentration |
11.5%
+12.9% YoY+10.0% QoQ
|
-13.0% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
2.0%
-41.3% YoY-18.5% QoQ
|
-11.6% | 13.6% | 11.1% | 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)