BlastPoint's Credit Union Scorecard
NOTRE DAME
Charter #24034 · IN
NOTRE DAME has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 12.9% in tier
- + Wallet Share Momentum: Top 12.9% in tier
- + Organic Growth Engine: Top 67.6% in tier
- + Organic Growth Leader: Top 67.6% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 23.5% in tier
- - Efficiency ratio 1.06% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,077
+0.5% YoY+0.9% QoQ
|
-29.0K |
96,048
-2.7% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$1.3B
+7.3% YoY+3.4% QoQ
|
$-393.9M |
$1.7B
+0.4% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$1.1B
+9.9% YoY+2.5% QoQ
|
$-92.0M |
$1.2B
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$1.2B
+8.2% YoY+3.4% QoQ
|
$-278.1M |
$1.5B
+0.5% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
0.8%
+21.2% YoY+19.5% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.8%
+7.8% YoY+5.7% QoQ
|
+0.4% |
3.4%
+6.2% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
75.7%
-1.2% YoY-2.7% QoQ
|
+1.1% |
74.6%
-3.0% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.6%
-31.0% YoY-7.0% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
94.5%
+1.6% YoY-0.8% QoQ
|
+11.3% |
83.2%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$34,426
+8.4% YoY+2.1% QoQ
|
+$5K |
$29,652
+2.3% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
79% |
| CD Concentration |
21.6%
-4.2% YoY-0.5% QoQ
|
-7.2% | 28.8% | 18.9% | 19.8% | 20% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 10.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)