BlastPoint's Credit Union Scorecard
INDEPENDENT
Charter #24171 · IN
INDEPENDENT has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.70% above tier average
- + Fee Income Per Member: Top 2.7% in tier
- + Total Loans: Top 3.0% in tier
- + Total Deposits: Top 3.2% in tier
- + Total Assets: Top 4.4% in tier
- + Total Members: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.46% above tier average
- - Member decline: -4.9% YoY
- - Indirect Auto Concentration (%): Bottom 1.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,158
-4.9% YoY-0.4% QoQ
|
+3.5K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 8.4% in tier |
| Assets |
$89.1M
+0.6% YoY+0.0% QoQ
|
+$58.9M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Top 4.4% in tier |
| Loans |
$56.8M
-4.9% YoY-2.6% QoQ
|
+$41.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 3.1% in tier |
| Deposits |
$78.6M
-0.1% YoY-0.1% QoQ
|
+$52.9M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Top 3.3% in tier |
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| ROA |
1.0%
+38.7% YoY-10.8% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.6%
+6.4% YoY+0.8% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
66.3%
-11.8% YoY+2.7% QoQ
|
-16.3% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
4.0%
+73.1% YoY+28.6% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 8.5% in tier |
| Loan To Share |
72.2%
-4.8% YoY-2.5% QoQ
|
+11.6% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$21,990
+2.9% YoY-0.8% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 14.7% in tier |
| CD Concentration |
7.2%
+2.0% YoY-11.7% QoQ
|
-17.2% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
50.6%
-1.2% YoY-0.2% QoQ
|
+36.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)