BlastPoint's Credit Union Scorecard

ADVANCE FINANCIAL

Charter #24078 · IN

100M-500M

1069 CUs in 100M-500M nationally 19 in IN

ADVANCE FINANCIAL faces 8 concerns requiring attention

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.45% below tier average
- Efficiency ratio 10.61% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	7,243 -5.7% YoY-1.4% QoQ	-8.2K	15,437 -2.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	Bottom 12.3% in tier
Assets	$121.3M -2.1% YoY-0.8% QoQ	$-110.5M	$231.9M +1.3% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	Bottom 14.2% in tier
Loans	$59.7M -2.5% YoY-1.1% QoQ	$-87.7M	$147.3M -0.1% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	Bottom 9.7% in tier
Deposits	$106.0M -4.9% YoY-1.7% QoQ	$-94.8M	$200.8M +0.8% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	15%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -231.9% YoY+6.7% QoQ	-0.5%	0.8% +18.2% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	18%
NIM	3.3% +11.4% YoY+0.2% QoQ	-0.4%	3.6% +6.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	30%
Efficiency Ratio	87.6% -14.2% YoY+0.9% QoQ	+10.6%	77.0% -3.1% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	Bottom 14.9% in tier
Delinquency Rate	1.1% +41.9% YoY-14.2% QoQ	+0.2	0.9% +4.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	75%
Loan To Share	56.3% +2.5% YoY+0.6% QoQ	-15.9%	72.2% -1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	17%
AMR	$22,872 +1.7% YoY-0.1% QoQ	$-2K	$24,676 +3.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	51%
CD Concentration	13.9% -4.6% YoY+0.5% QoQ	-10.5%	24.4%	19.3%	19.8%	50%
Indirect Auto %	33.1% +38.5% YoY+2.4% QoQ	+19.3%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#73 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.65%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.50%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.12%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#109 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.65%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#226 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#302 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -2.11%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 33.13%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -5.65%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Institutional Decline

decline

#149 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $121.34M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -5.65%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.50%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#419 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.62%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.55% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -5.65%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (2 metrics)

200

Share Certificate Concentration (%)

balance_sheet

Value: 13.91%

Peer Median: -

#200 of 1069 Top 18.6% in 100M-500M tier

216

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

Top Weaknesses (13 metrics)

1035

Deposit Growth Rate

growth

Value: -4.90%

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

1006

Members Per Employee (MPE)

engagement

Value: 206.943

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

984

Asset Growth Rate

growth

Value: -2.11%

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

980

Member Growth Rate

growth

Value: -5.65%

Peer Median: -

#980 of 1069 Bottom 8.4% in 100M-500M tier

965

Total Loans

balance_sheet

Value: $59.68M

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

938

Total Members

engagement

Value: 7,243

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

933

Indirect Auto Concentration (%)

balance_sheet

Value: 33.13%

Peer Median: -

#933 of 1069 Bottom 12.8% in 100M-500M tier

917

Total Assets

balance_sheet

Value: $121.34M

Peer Median: -

#917 of 1069 Bottom 14.3% in 100M-500M tier

911

Efficiency Ratio

profitability

Value: 87.62%

Peer Median: -

#911 of 1069 Bottom 14.9% in 100M-500M tier

907

Total Deposits

balance_sheet

Value: $105.99M

Peer Median: -

#907 of 1069 Bottom 15.2% in 100M-500M tier