BlastPoint's Credit Union Scorecard
ELEMENTS FINANCIAL
Charter #22468 · IN
ELEMENTS FINANCIAL has 7 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 27.3% in tier
- + Profitability Leader: Top 54.3% in tier
- + Wallet Share Momentum: Top 58.3% in tier
- + ROA 0.49% above tier average
- + Members Per Employee (MPE): Top 3.9% in tier
- + Fee Income Per Member: Top 9.9% in tier
- + Net Charge-Off Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 8.4% in tier
- - Credit Quality Pressure: Bottom 10.1% in tier
- - Credit Risk Growth: Bottom 15.3% in tier
- - Membership Headwinds: Bottom 30.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98,725
-0.8% YoY-0.7% QoQ
|
+46 |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$2.4B
+6.2% YoY-1.7% QoQ
|
+$722.8M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$1.7B
+3.9% YoY-0.6% QoQ
|
+$438.7M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$2.0B
+8.0% YoY-1.8% QoQ
|
+$588.6M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
1.2%
+105.5% YoY+40.4% QoQ
|
+0.5% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 12.2% in tier |
| NIM |
2.5%
+9.8% YoY+3.5% QoQ
|
-0.8% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
62.3%
-18.8% YoY-8.1% QoQ
|
-11.7% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
0.5%
+63.8% YoY+15.6% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
81.8%
-3.8% YoY+1.1% QoQ
|
-3.4% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$37,627
+7.0% YoY-0.6% QoQ
|
+$8K |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 11.5% in tier |
| CD Concentration |
28.0%
+0.9% YoY+0.4% QoQ
|
-0.9% |
29.0%
+0.7% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
46% |
| Indirect Auto % |
15.0%
-11.0% YoY-9.4% QoQ
|
-3.8% |
18.8%
-3.0% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
47% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)