BlastPoint's Credit Union Scorecard
VULCRAFT EMPLOYEES
Charter #23287 · IN
VULCRAFT EMPLOYEES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Loan-to-Share Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.2% in tier
- - Fee Income Per Member: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
734
+0.7% YoY-0.1% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$6.5M
+5.0% YoY+6.1% QoQ
|
$-23.7M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$5.1M
+7.1% YoY+0.0% QoQ
|
$-10.2M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$5.6M
+4.4% YoY+6.8% QoQ
|
$-20.2M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.6%
-27.9% YoY-43.3% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
3.6%
+9.9% YoY-2.9% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
82.3%
+22.2% YoY+21.3% QoQ
|
-8.4% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
1.2%
-14.0% YoY-0.9% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
91.6%
+2.6% YoY-6.4% QoQ
|
+33.1% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Top 7.1% in tier |
| AMR |
$14,543
+5.0% YoY+3.6% QoQ
|
$-341 |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
45.5%
+18.3% YoY+23.1% QoQ
|
+21.2% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 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)