BlastPoint's Credit Union Scorecard
INDUSTRIAL
Charter #24026 · IN
INDUSTRIAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.6% in tier
- + Wallet Share Momentum: Top 87.1% in tier
- + ROA 0.12% above tier average
- + Net Interest Margin 1.08% above tier average
- + Total Members: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,825
+1.1% YoY+0.0% QoQ
|
+16.2K |
15,628
-3.4% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 5.8% in tier |
| Assets |
$333.6M
+7.4% YoY+1.2% QoQ
|
+$102.3M |
$231.3M
-0.0% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$236.5M
+5.7% YoY+1.3% QoQ
|
+$88.7M |
$147.8M
-1.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$300.9M
+7.5% YoY+1.0% QoQ
|
+$100.6M |
$200.3M
-0.0% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
0.9%
+27.1% YoY+15.6% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
4.7%
+8.1% YoY+1.5% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
75.0%
-4.4% YoY-0.9% QoQ
|
-2.3% |
77.3%
-3.0% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.7%
-21.7% YoY+17.4% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
78.6%
-1.6% YoY+0.3% QoQ
|
+5.9% |
72.7%
-1.5% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$16,887
+5.6% YoY+1.1% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
21.2%
+19.0% YoY+7.7% QoQ
|
-3.2% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
39.1%
-5.1% YoY-1.7% QoQ
|
+25.1% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)