BlastPoint's Credit Union Scorecard
NOTRE DAME
Charter #24034 · IN
NOTRE DAME has 6 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 23.4% in tier
- + Wallet Share Momentum: Top 49.2% in tier
- + Organic Growth Engine: Top 76.0% in tier
- + Organic Growth Leader: Top 95.7% in tier
- + Net Interest Margin 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 40.0% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 3.72% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,471
+0.8% YoY+1.2% QoQ
|
-31.0K |
97,431
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$1.3B
+7.3% YoY+2.6% QoQ
|
$-441.6M |
$1.7B
+0.9% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$1.1B
+9.7% YoY+3.9% QoQ
|
$-140.6M |
$1.2B
+0.5% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$1.1B
+8.4% YoY+2.9% QoQ
|
$-311.1M |
$1.5B
+0.9% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.6%
+6.5% YoY+5.3% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.6%
+10.8% YoY+1.0% QoQ
|
+0.3% |
3.3%
+9.2% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
77.8%
+0.2% YoY+0.3% QoQ
|
+3.7% |
74.1%
-9.5% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.6%
-34.9% YoY+14.6% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
95.3%
+1.2% YoY+0.9% QoQ
|
+10.5% |
84.8%
-0.8% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$33,729
+8.1% YoY+2.2% QoQ
|
+$4K |
$29,428
+2.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
21.8%
-6.7% YoY-1.4% QoQ
|
-7.3% | 29.0% | 19.3% | 19.8% | 19% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 10.7% | 7.8% | Bottom 0.0% 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 (<20%). 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)