BlastPoint's Credit Union Scorecard

ELEMENTS FINANCIAL

Charter #22468 · IN

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 11 in IN

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ELEMENTS FINANCIAL has 4 strengths but faces 2 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

+ Organic Growth Engine: Top 68.2% in tier
+ Organic Growth Leader: Top 68.2% in tier
+ ROA 0.20% above tier average
+ Members Per Employee (MPE): Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 35.3% in tier
- Asset Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	100,051 +0.5% YoY+1.3% QoQ	+4.0K	96,048 -2.7% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	63%
Assets	$2.5B -1.1% YoY+1.2% QoQ	+$775.3M	$1.7B +0.4% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	84%
Loans	$1.7B +0.0% YoY+0.3% QoQ	+$443.1M	$1.2B +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	80%
Deposits	$2.1B +0.2% YoY+6.2% QoQ	+$658.3M	$1.5B +0.5% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	Top 15.0% in tier

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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	0.9% +43.5% YoY-23.2% QoQ	+0.2%	0.7% +27.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	72%
NIM	2.7% +12.8% YoY+4.3% QoQ	-0.7%	3.4% +6.2% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	Bottom 11.8% in tier
Efficiency Ratio	66.1% -9.6% YoY+5.6% QoQ	-8.6%	74.6% -3.0% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	Top 15.0% in tier
Delinquency Rate	0.3% +33.6% YoY-38.2% QoQ	-0.4	0.8% +6.9% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	21%
Loan To Share	78.0% -0.2% YoY-5.5% QoQ	-5.2%	83.2% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	30%
AMR	$37,787 -0.4% YoY+2.1% QoQ	+$8K	$29,652 +2.3% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	Top 12.7% in tier
CD Concentration	25.3% -2.8% YoY-7.9% QoQ	-3.5%	28.8%	18.9%	19.8%	35%
Indirect Auto %	12.6% -28.9% YoY-9.2% QoQ	-5.5%	18.1%	10.4%	7.7%	44%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#101 of 115 • Top 68.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.53%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.91%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 12.62%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#114 of 116 • Top 68.2% in tier

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

Why This Signature

Member Growth (YoY): 0.53%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 12.62%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (1)

Credit Quality Pressure

risk

#134 of 225 • Bottom 35.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (9 metrics)

Members Per Employee (MPE)

engagement

Value: 540.816

Peer Median: 345.077

#9 of 306 Top 2.6% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,787

Peer Median: $28,178

#39 of 306 Top 12.4% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.12B

Peer Median: $1.31B

#46 of 306 Top 14.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.05%

Peer Median: 75.16%

#47 of 306 Top 15.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.50B

Peer Median: $1.51B

#48 of 306 Top 15.4% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,560

Peer Median: $12,733

#49 of 306 Top 15.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.66B

Peer Median: $1.11B

#61 of 306 Top 19.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.25%

Peer Median: 0.51%

#63 of 306 Top 20.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.63%

#64 of 306 Top 20.6% in 1B-3B tier

Top Weaknesses (6 metrics)

277

Asset Growth Rate

growth

Value: -1.14%

Peer Median: 4.82%

#277 of 306 Bottom 9.8% in 1B-3B tier

270

Net Interest Margin (NIM)

profitability

Value: 2.66%

Peer Median: 3.37%

#270 of 306 Bottom 12.1% in 1B-3B tier

261

Deposit Growth Rate

growth

Value: 0.22%

Peer Median: 4.44%

#261 of 306 Bottom 15.0% in 1B-3B tier

245

Loan Growth Rate

growth

Value: 0.05%

Peer Median: 5.67%

#245 of 306 Bottom 20.3% in 1B-3B tier

237

First Mortgage Concentration (%)

balance_sheet

Value: 43.22%

Peer Median: 33.05%

#237 of 306 Bottom 22.9% in 1B-3B tier

236

AMR Growth Rate

growth

Value: -0.38%

Peer Median: 3.15%

#236 of 306 Bottom 23.2% in 1B-3B tier