BlastPoint's Credit Union Scorecard
GREAT HORIZONS
Charter #22695 · IN
<100M
2508 CUs in <100M nationally
80 in IN
GREAT HORIZONS has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Net Interest Margin 1.72% above tier average
- + Deposit Growth Rate: Top 7.2% in tier
- + Asset Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.25% above tier average
- - Member decline: -8.3% YoY
- - Member Growth Rate: Bottom 8.1% in tier
- - Loan Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
420
-8.3% YoY-4.5% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 11.5% in tier |
| Assets |
$3.8M
+9.8% YoY+6.9% QoQ
|
$-26.4M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$2.0M
-18.1% YoY-6.8% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$2.9M
+10.9% YoY+9.6% QoQ
|
$-22.9M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA |
1.3%
-19.9% YoY-43.9% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
5.7%
-15.7% YoY-12.4% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 4.9% in tier |
| Efficiency Ratio |
78.3%
+1.9% YoY+15.8% QoQ
|
-12.3% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
2.8%
-19.0% YoY-18.5% QoQ
|
+1.2 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
70.5%
-26.2% YoY-15.0% QoQ
|
+12.0% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$11,799
+5.4% YoY+7.0% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
0.4%
-9.7% YoY-8.7% QoQ
|
-23.9% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
124
Net Interest Margin (NIM)
profitability
Value:
5.72%
Peer Median: 3.83%
#124 of 2508
Top 4.9% in <100M tier
182
Deposit Growth Rate
growth
Value:
10.86%
Peer Median: 0.66%
#182 of 2508
Top 7.2% in <100M tier
189
Asset Growth Rate
growth
Value:
9.81%
Peer Median: 1.30%
#189 of 2508
Top 7.5% in <100M tier
347
Net Worth Ratio
risk
Value:
23.15%
Peer Median: 14.28%
#347 of 2508
Top 13.8% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
523
Return on Assets (ROA)
profitability
Value:
1.29%
Peer Median: 0.61%
#523 of 2508
Top 20.8% in <100M tier
588
Share Certificate Concentration (%)
balance_sheet
Value:
0.42%
Peer Median: 12.45%
#588 of 2508
Top 23.4% in <100M tier
595
AMR Growth Rate
growth
Value:
5.44%
Peer Median: 1.27%
#595 of 2508
Top 23.7% in <100M tier
Top Weaknesses (8 metrics)
2305
Member Growth Rate
growth
Value:
-8.30%
Peer Median: -1.37%
#2305 of 2508
Bottom 8.1% in <100M tier
2304
Loan Growth Rate
growth
Value:
-18.14%
Peer Median: -2.36%
#2304 of 2508
Bottom 8.2% in <100M tier
2219
Total Members
engagement
Value:
420
Peer Median: 1,918
#2219 of 2508
Bottom 11.6% in <100M tier
2185
Total Delinquency Rate (60+ days)
risk
Value:
2.75%
Peer Median: 0.65%
#2185 of 2508
Bottom 12.9% in <100M tier
2129
Total Deposits
balance_sheet
Value:
$2.91M
Peer Median: $18.77M
#2129 of 2508
Bottom 15.2% in <100M tier
2126
Total Assets
balance_sheet
Value:
$3.79M
Peer Median: $21.86M
#2126 of 2508
Bottom 15.3% in <100M tier
2068
Members Per Employee (MPE)
engagement
Value:
210.000
Peer Median: 333.750
#2068 of 2508
Bottom 17.6% in <100M tier
2052
Total Loans
balance_sheet
Value:
$2.05M
Peer Median: $9.48M
#2052 of 2508
Bottom 18.2% in <100M tier