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 0.13% above tier average
- + Net Interest Margin 1.06% above tier average
- + Total Members: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,838
+0.9% YoY+0.0% QoQ
|
+16.4K |
15,437
-2.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 5.5% in tier |
| Assets |
$340.3M
+8.1% YoY+2.0% QoQ
|
+$108.4M |
$231.9M
+1.3% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$243.2M
+7.5% YoY+2.8% QoQ
|
+$95.9M |
$147.3M
-0.1% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$307.3M
+8.0% YoY+2.1% QoQ
|
+$106.4M |
$200.8M
+0.8% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.9%
+20.0% YoY-1.9% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
4.7%
+5.6% YoY-0.1% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
75.4%
-2.4% YoY+0.5% QoQ
|
-1.6% |
77.0%
-3.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.7%
-21.6% YoY+7.6% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
79.2%
-0.5% YoY+0.7% QoQ
|
+6.9% |
72.2%
-1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$17,290
+6.8% YoY+2.4% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
21.0%
+15.7% YoY-0.8% QoQ
|
-3.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
37.8%
-6.9% YoY-3.2% QoQ
|
+24.0% | 13.8% | 10.7% | 7.8% | 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)