BlastPoint's Credit Union Scorecard

NOTRE DAME

Charter #24034 · IN

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 11 in IN

View Mid-Market leaderboard →

NOTRE DAME has 6 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 25.8% in tier
+ Organic Growth Engine: Top 27.9% in tier
+ Organic Growth Leader: Top 33.4% in tier
+ Wallet Share Momentum: Top 57.4% in tier
+ Net Interest Margin 0.28% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 18.7% in tier
- ROA 0.09% below tier average
- Efficiency ratio 3.54% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	65,683 +0.8% YoY-2.5% QoQ	-33.0K	98,678 -1.9% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	20%
Assets	$1.2B +6.3% YoY+0.5% QoQ	$-470.4M	$1.7B +0.5% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	26%
Loans	$1.1B +8.1% YoY+2.3% QoQ	$-179.9M	$1.2B +0.5% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	45%
Deposits	$1.1B +7.6% YoY+1.1% QoQ	$-338.8M	$1.5B +1.3% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	33%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -10.6% YoY-0.4% QoQ	-0.1%	0.7% +13.4% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	45%
NIM	3.5% +9.1% YoY+1.3% QoQ	+0.3%	3.3% +9.3% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	68%
Efficiency Ratio	77.5% +1.1% YoY+0.9% QoQ	+3.5%	74.0% -10.9% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	63%
Delinquency Rate	0.5% -44.4% YoY-51.3% QoQ	-0.3	0.8% +6.1% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	35%
Loan To Share	94.4% +0.5% YoY+1.2% QoQ	+9.2%	85.2% -0.8% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	71%
AMR	$33,017 +7.0% YoY+4.3% QoQ	+$4K	$29,172 +2.8% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	78%
CD Concentration	22.1% -11.0% YoY-1.7% QoQ	-6.9%	29.0% +0.7% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	20%
Indirect Auto %	0.0% -100.0% YoY	-18.8%	18.8% -3.0% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#18 of 67 • Top 25.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.05%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $8.9K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Organic Growth Engine

growth

#203 of 246 • Top 27.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.77%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.62%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth

#132 of 138 • Top 33.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.77%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#67 of 116 • Top 57.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.05%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk

#99 of 183 • Bottom 18.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.41%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 8.13%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,034

Peer Avg: -

#53 of 304 Top 17.1% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.05%

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Fee Income Per Member

profitability

Value: $260.67

Peer Avg: -

#62 of 304 Top 20.1% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.06%

Peer Avg: -

#65 of 304 Top 21.1% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $33,017

Peer Avg: -

#67 of 304 Top 21.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 7.63%

Peer Avg: -

#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (3 metrics)

273

Members Per Employee (MPE)

engagement

Value: 272.544

Peer Avg: -

#273 of 304 Bottom 10.5% in 1B-3B tier

244

Total Members

engagement

Value: 65,683

Peer Avg: -

#244 of 304 Bottom 20.1% in 1B-3B tier

232

Net Worth Ratio

risk

Value: 9.66%

Peer Avg: -

#232 of 304 Bottom 24.0% in 1B-3B tier