BlastPoint's Credit Union Scorecard
NOTRE DAME
Charter #24034 · IN
NOTRE DAME has 7 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 15.1% in tier
- + Wallet Share Momentum: Top 15.1% in tier
- + Organic Growth Engine: Top 22.8% in tier
- + Organic Growth Leader: Top 22.8% in tier
- + Emerging Performer: Top 52.0% in tier
- + Net Interest Margin 0.43% above tier average
- + Loan Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.5% in tier
- - Efficiency ratio 3.78% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 7.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Indiana.
- Shares and deposits +9.4% year over year ($1.21B in shares and deposits).
- Membership: 70,705 members, +4.9% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.78%.
- Efficiency ratio 76.80% vs a 73.02% peer average.
- Loan-to-share ratio 100.07% vs a 84.71% 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 |
70,705
+4.9% YoY+5.4% QoQ
|
-26.2K |
96,861
-1.9% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$1.4B
+11.7% YoY+4.7% QoQ
|
$-335.9M |
$1.7B
+0.4% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$1.2B
+17.4% YoY+7.7% QoQ
|
$-26.0M |
$1.2B
+0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$1.2B
+9.4% YoY+1.7% QoQ
|
$-256.0M |
$1.5B
+0.5% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.8%
+25.4% YoY+0.0% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.9%
+10.1% YoY+1.8% QoQ
|
+0.4% |
3.4%
+6.6% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
76.8%
-0.0% YoY+1.5% QoQ
|
+3.8% |
73.0%
-2.7% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.6%
-46.2% YoY+3.8% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
100.1%
+7.3% YoY+5.9% QoQ
|
+15.4% |
84.7%
+0.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 13.7% in tier |
| AMR |
$34,164
+7.9% YoY-0.8% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
21.7%
-3.1% YoY+0.5% QoQ
|
-7.3% | 29.1% | 19.4% | 20.0% | 20% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 11.1% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)