BlastPoint's Credit Union Scorecard
ELEMENTS FINANCIAL
Charter #22468 · IN
ELEMENTS FINANCIAL has 5 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 43.8% in tier
- + Wallet Share Momentum: Top 91.0% in tier
- + ROA 0.51% above tier average
- + Members Per Employee (MPE): Top 4.0% in tier
- + Efficiency Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.7% in tier
- - Stagnation Risk: Bottom 61.9% in tier
- - Membership Headwinds: Bottom 66.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98,725
-1.6% YoY0% QoQ
|
+1.3K |
97,431
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$2.5B
+7.2% YoY+1.0% QoQ
|
+$743.3M |
$1.7B
+0.9% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$1.7B
+0.0% YoY-1.2% QoQ
|
+$417.2M |
$1.2B
+0.5% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$2.0B
+6.9% YoY-2.1% QoQ
|
+$541.3M |
$1.5B
+0.9% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
1.2%
+99.1% YoY+0.1% QoQ
|
+0.5% |
0.7%
+20.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 12.3% in tier |
| NIM |
2.6%
+9.4% YoY+2.1% QoQ
|
-0.7% |
3.3%
+9.2% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
62.6%
-17.6% YoY+0.5% QoQ
|
-11.5% |
74.1%
-9.5% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
0.6%
+92.0% YoY+23.1% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
82.6%
-6.5% YoY+0.9% QoQ
|
-2.2% |
84.8%
-0.8% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$36,995
+5.3% YoY-1.7% QoQ
|
+$8K |
$29,428
+2.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 12.9% in tier |
| CD Concentration |
27.5%
-1.0% YoY-1.9% QoQ
|
-1.5% | 29.0% | 19.3% | 19.8% | 44% |
| Indirect Auto % |
13.9%
-23.5% YoY-7.3% QoQ
|
-4.4% | 18.3% | 10.7% | 7.8% | 46% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)