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 0.43% above tier average
- + Net Interest Margin 0.94% above tier average
- + Total Members: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,994
+1.0% YoY+0.5% QoQ
|
+16.8K |
15,145
-2.5% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Top 4.9% in tier |
| Assets |
$355.6M
+8.2% YoY+4.5% QoQ
|
+$123.9M |
$231.7M
+0.8% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$243.3M
+7.5% YoY+0.0% QoQ
|
+$99.2M |
$144.1M
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Top 14.2% in tier |
| Deposits |
$321.0M
+7.9% YoY+4.5% QoQ
|
+$119.9M |
$201.1M
+0.4% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
85% |
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| ROA |
1.2%
+79.7% YoY+29.1% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
4.6%
-0.6% YoY-1.9% QoQ
|
+0.9% |
3.6%
+4.6% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 8.4% in tier |
| Efficiency Ratio |
77.2%
-0.6% YoY+2.4% QoQ
|
-0.8% |
78.0%
-1.7% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.6%
-10.8% YoY-20.4% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
75.8%
-0.4% YoY-4.2% QoQ
|
+5.4% |
70.4%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$17,639
+6.7% YoY+2.0% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
20.7%
+11.4% YoY-1.4% QoQ
|
-3.5% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % |
37.4%
-7.2% YoY-1.2% QoQ
|
+23.6% | 13.8% | 10.4% | 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)