BlastPoint's Credit Union Scorecard

ELEMENTS FINANCIAL

Charter #22468 · IN

Mid-Market 1B-3B

Elements at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Elements is one of 101 credit unions in the 2026 VentureTech card set. We also found Elements's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Elements

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ELEMENTS
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ELEMENTS'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 10 in IN

View Mid-Market leaderboard →

ELEMENTS FINANCIAL has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#42 of 113 • Top 35.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.39%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 1.41%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 11.39%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Organic Growth Leader

growth

#60 of 112 • Top 35.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.39%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 11.39%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Concerns (7)

Deposit Outflow

decline

#1 of 23 • Bottom 98.4% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.56%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 3.39%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#18 of 69 • Bottom 95.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.42%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Wealth Migration Risk

decline

#6 of 11 • Bottom 17.3% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $35.8K

(Tier: $29.9K, National: $20.0K)

but better than tier avg

AMR Growth (YoY): -5.42%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

11 of 377 Mid-Market CUs have this signature | 24 nationally

→ Stable (15→11 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#155 of 215 • Bottom 41.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Flatlined Growth

risk

#10 of 12 • Bottom 83.6% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.83%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Return on Assets: 1.41%

(Tier: 0.84%, National: 1.23%)

but better than tier avg

12 of 377 Mid-Market CUs have this signature | 57 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Capital Constraint

risk

#6 of 7 • Bottom 57.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 85.34%

(Tier: 85.94%, National: 66.39%)

worse than tier avg

Deposit Growth (YoY): -4.56%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 11.92%

(Tier: 11.45%, National: 14.66%)

but better than tier avg

7 of 377 Mid-Market CUs have this signature | 27 nationally

→ Stable (9→7 CUs) -2 CUs YoY | New qualifier

Credit Risk Growth

risk

#160 of 170 • Bottom 80.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.67%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (11 metrics)

Members Per Employee (MPE)

engagement

Value: 538.042

Peer Median: 346.173

#11 of 300 Top 3.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 59.23%

Peer Median: 73.62%

#25 of 300 Top 8.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.41%

Peer Median: 0.77%

#33 of 300 Top 10.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.50B

Peer Median: $1.51B

#45 of 300 Top 14.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,481

Peer Median: $12,809

#47 of 300 Top 15.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Median: 0.52%

#48 of 300 Top 15.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $35,793

Peer Median: $28,089

#48 of 300 Top 15.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $287.95

Peer Median: $204.73

#49 of 300 Top 16.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.69B

Peer Median: $1.14B

#59 of 300 Top 19.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.98B

Peer Median: $1.30B

#61 of 300 Top 20.0% in 1B-3B tier

Top Weaknesses (6 metrics)

293

Deposit Growth Rate

growth

Value: -4.56%

Peer Median: 4.79%

#293 of 300 Bottom 2.7% in 1B-3B tier

286

AMR Growth Rate

growth

Value: -5.42%

Peer Median: 3.19%

#286 of 300 Bottom 5.0% in 1B-3B tier

263

Net Interest Margin (NIM)

profitability

Value: 2.77%

Peer Median: 3.46%

#263 of 300 Bottom 12.7% in 1B-3B tier

250

Asset Growth Rate

growth

Value: 0.83%

Peer Median: 5.21%

#250 of 300 Bottom 17.0% in 1B-3B tier

235

Loan Growth Rate

growth

Value: 0.67%

Peer Median: 5.71%

#235 of 300 Bottom 22.0% in 1B-3B tier

232

First Mortgage Concentration (%)

balance_sheet

Value: 43.28%

Peer Median: 33.59%

#232 of 300 Bottom 23.0% in 1B-3B tier