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 0.29% above tier average
- + Total Deposits: Top 1.2% in tier
- + Total Assets: Top 2.1% in tier
- + Total Loans: Top 2.4% in tier
- + Fee Income Per Member: Top 6.1% in tier
- + Total Members: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Delinquency rate 1.67% above tier average
- - Indirect Auto Concentration (%): Bottom 1.4% in tier
- - Net Charge-Off Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,123
-1.1% YoY-0.6% QoQ
|
+3.4K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Top 8.2% in tier |
| Assets |
$93.8M
+4.4% YoY+5.3% QoQ
|
+$63.6M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Top 2.1% in tier |
| Loans |
$56.9M
-3.6% YoY+0.2% QoQ
|
+$41.6M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Top 2.4% in tier |
| Deposits |
$83.5M
+4.1% YoY+6.2% QoQ
|
+$57.7M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Top 1.2% in tier |
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| ROA |
-0.2%
-124.7% YoY-123.3% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.3%
+0.5% YoY-7.5% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
72.6%
+1.4% YoY+9.5% QoQ
|
-18.0% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
3.2%
-6.6% YoY-21.1% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.3% in tier |
| Loan To Share |
68.2%
-7.4% YoY-5.6% QoQ
|
+9.7% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$22,931
+2.0% YoY+4.3% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Top 12.6% in tier |
| CD Concentration |
9.9%
+28.3% YoY+37.4% QoQ
|
-14.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % |
51.7%
-0.1% YoY+2.2% QoQ
|
+37.9% | 13.8% | 10.4% | 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)