BlastPoint's Credit Union Scorecard
FINANCIAL HEALTH
Charter #20793 · IN
FINANCIAL HEALTH has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.32% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 4.8% in tier
- + Fee Income Per Member: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 1.56% above tier (higher cost structure)
- - Delinquency rate 2.72% above tier average
- - Member decline: -2.1% YoY
- - Net Charge-Off Rate: Bottom 5.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,332
-2.1% YoY-0.2% QoQ
|
+4.7K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 4.9% in tier |
| Assets |
$30.9M
+0.2% YoY-1.2% QoQ
|
+$797K |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$13.6M
-6.5% YoY-0.2% QoQ
|
$-2.2M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$27.0M
-0.8% YoY-0.6% QoQ
|
+$1.3M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.6%
+89.0% YoY-46.7% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
5.3%
+3.4% YoY+3.3% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
84.1%
-4.3% YoY+2.6% QoQ
|
+1.6% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
4.3%
+100.3% YoY+16.7% QoQ
|
+2.7 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 7.8% in tier |
| Loan To Share |
50.3%
-5.7% YoY+0.4% QoQ
|
-10.3% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$5,534
-0.7% YoY-0.3% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.6% in tier |
| CD Concentration |
10.4%
+35.2% YoY+2.5% QoQ
|
-14.1% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
2.6%
-36.0% YoY-15.1% QoQ
|
-11.2% | 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)