BlastPoint's Credit Union Scorecard
VULCRAFT EMPLOYEES
Charter #23287 · IN
VULCRAFT EMPLOYEES demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 5.0% in tier
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 |
735
-0.4% YoY+0.7% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$6.1M
+3.7% YoY-1.8% QoQ
|
$-24.0M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$5.1M
+6.6% YoY+5.2% QoQ
|
$-10.7M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$5.2M
+2.9% YoY-2.4% QoQ
|
$-20.5M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
1.1%
+593.9% YoY+1.6% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.8%
+21.5% YoY+5.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
67.8%
-23.1% YoY+3.1% QoQ
|
-14.7% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
1.2%
+4.9% YoY-5.8% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
97.8%
+3.6% YoY+7.8% QoQ
|
+37.2% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 5.2% in tier |
| AMR |
$14,040
+5.1% YoY+0.5% QoQ
|
$-743 |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
37.0%
-7.0% YoY-6.0% QoQ
|
+12.5% | 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)