BlastPoint's Credit Union Scorecard
ELEMENTS FINANCIAL
Charter #22468 · IN
ELEMENTS FINANCIAL has 5 strengths but faces 8 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
- + Organic Growth Engine: Top 35.8% in tier
- + Organic Growth Leader: Top 35.8% in tier
- + ROA 0.59% above tier average
- + Members Per Employee (MPE): Top 3.3% in tier
- + Efficiency Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 17.3% in tier
- - Credit Quality Pressure: Bottom 41.7% in tier
- - Capital Constraint: Bottom 57.9% in tier
- - Credit Risk Growth: Bottom 80.1% in tier
- - Flatlined Growth: Bottom 83.6% in tier
- - Shrinking Wallet Share: Bottom 95.4% in tier
- - Deposit Outflow: Bottom 98.4% in tier
- - Deposit Growth Rate: Bottom 2.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Indiana.
- Shares and deposits -4.6% year over year ($1.98B in shares and deposits).
- Membership: 102,766 members, +3.4% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 1.41%.
- Efficiency ratio 59.23% vs a 73.02% peer average.
- Loan-to-share ratio 85.34% vs a 84.71% 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 |
102,766
+3.4% YoY+2.7% QoQ
|
+5.9K |
96,861
-1.9% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$2.5B
+0.8% YoY+0.4% QoQ
|
+$779.8M |
$1.7B
+0.4% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Top 15.0% in tier |
| Loans |
$1.7B
+0.7% YoY+2.2% QoQ
|
+$459.5M |
$1.2B
+0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$2.0B
-4.6% YoY-6.6% QoQ
|
+$521.3M |
$1.5B
+0.5% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
1.4%
+65.8% YoY+53.7% QoQ
|
+0.6% |
0.8%
+27.6% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 11.0% in tier |
| NIM |
2.8%
+14.3% YoY+3.8% QoQ
|
-0.7% |
3.4%
+6.6% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio |
59.2%
-12.6% YoY-10.3% QoQ
|
-13.8% |
73.0%
-2.7% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Top 8.0% in tier |
| Delinquency Rate |
0.5%
+16.8% YoY+32.6% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
85.3%
+5.5% YoY+9.4% QoQ
|
+0.6% |
84.7%
+0.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$35,793
-5.4% YoY-5.3% QoQ
|
+$6K |
$29,575
+1.5% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
24.3%
-12.9% YoY-4.0% QoQ
|
-4.8% | 29.1% | 19.4% | 20.0% | 28% |
| Indirect Auto % |
11.4%
-31.2% YoY-9.8% QoQ
|
-6.7% | 18.1% | 11.1% | 7.7% | 40% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (7)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)