BlastPoint's Credit Union Scorecard
INDEPENDENT
Charter #24171 · IN
INDEPENDENT has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Total Deposits: Top 1.5% in tier
- + Total Assets: Top 2.1% in tier
- + Total Loans: Top 3.4% in tier
- + Fee Income Per Member: Top 6.4% in tier
- + Total Members: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Delinquency rate 1.89% above tier average
- - Indirect Auto Concentration (%): Bottom 1.4% in tier
- - Net Charge-Off Rate: Bottom 9.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits +4.5% year over year ($83.1M in shares and deposits).
- Membership: 6,087 members, -2.0% vs a year ago.
- Delinquency rate 3.43%.
- Return on assets 0.38%.
- Efficiency ratio 70.92% vs a 88.77% peer average.
- Loan-to-share ratio 65.90% vs a 58.89% 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 |
6,087
-2.0% YoY-0.6% QoQ
|
+3.5K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 8.5% in tier |
| Assets |
$93.6M
+4.6% YoY-0.2% QoQ
|
+$63.3M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Top 2.1% in tier |
| Loans |
$54.8M
-7.0% YoY-3.8% QoQ
|
+$39.3M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 3.4% in tier |
| Deposits |
$83.1M
+4.5% YoY-0.5% QoQ
|
+$57.3M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Top 1.5% in tier |
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| ROA |
0.4%
-63.3% YoY-272.5% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
4.4%
-0.9% YoY+3.3% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
70.9%
+5.9% YoY-2.3% QoQ
|
-17.8% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
3.4%
+0.9% YoY+8.3% QoQ
|
+1.9 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.2% in tier |
| Loan To Share |
65.9%
-11.0% YoY-3.3% QoQ
|
+7.0% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$22,648
+1.6% YoY-1.2% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Top 13.9% in tier |
| CD Concentration |
10.2%
+55.4% YoY+2.5% QoQ
|
-14.4% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
50.5%
-1.6% YoY-2.3% QoQ
|
+36.9% | 13.6% | 11.1% | 7.7% | 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)