BlastPoint's Credit Union Scorecard
GENERATIONS
Charter #23156 · IN
GENERATIONS demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.93% above tier average
- + Net Interest Margin 0.70% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,479
-0.1% YoY-1.3% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$11.9M
+2.1% YoY+1.0% QoQ
|
$-18.3M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$6.9M
-2.7% YoY+0.7% QoQ
|
$-8.8M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$10.2M
+0.6% YoY+0.6% QoQ
|
$-15.5M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
1.5%
+43.9% YoY+17.1% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 14.9% in tier |
| NIM |
4.7%
+19.6% YoY+2.5% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
68.2%
-9.0% YoY-1.1% QoQ
|
-14.4% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.1%
-60.1% YoY-44.6% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
68.2%
-3.3% YoY+0.2% QoQ
|
+7.6% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$11,572
-0.7% YoY+1.9% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
2.5%
-53.3% YoY-0.2% QoQ
|
-21.9% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)