BlastPoint's Credit Union Scorecard
INDUSTRIAL
Charter #24026 · IN
INDUSTRIAL has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.53% above tier average
- + Net Interest Margin 0.96% above tier average
- + Total Members: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +7.4% year over year ($320M in shares and deposits).
- Membership: 32,280 members, +1.5% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 1.40%.
- Efficiency ratio 73.55% vs a 76.73% peer average.
- Loan-to-share ratio 78.00% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,280
+1.5% YoY+0.9% QoQ
|
+17.1K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 5.0% in tier |
| Assets |
$356.1M
+8.0% YoY+0.1% QoQ
|
+$124.1M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$249.6M
+6.9% YoY+2.6% QoQ
|
+$103.3M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 13.3% in tier |
| Deposits |
$320.0M
+7.4% YoY-0.3% QoQ
|
+$119.2M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
85% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+77.2% YoY+21.0% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
4.6%
+1.1% YoY+1.6% QoQ
|
+1.0% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
73.6%
-2.8% YoY-4.7% QoQ
|
-3.2% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
37% |
| Delinquency Rate |
0.4%
-27.3% YoY-27.7% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
78.0%
-0.4% YoY+2.9% QoQ
|
+6.5% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$17,643
+5.6% YoY+0.0% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
21.1%
+7.2% YoY+1.8% QoQ
|
-3.4% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
36.9%
-7.2% YoY-1.2% QoQ
|
+23.3% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
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)