BlastPoint's Credit Union Scorecard

PROFINANCE

Charter #2711 · IN

2556 CUs in <100M nationally 82 in IN

PROFINANCE has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.00% above tier average

Key Concerns

Areas that may need attention

- ROA 0.61% below tier average
- Efficiency ratio 8.97% above tier (higher cost structure)
- Member decline: -3.2% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	1,395 -3.2% YoY-1.0% QoQ	-1.2K	2,615 -1.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	38%
Assets	$14.4M +0.3% YoY+2.9% QoQ	$-15.7M	$30.1M +2.1% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	40%
Loans	$6.6M +0.5% YoY-3.8% QoQ	$-9.1M	$15.8M -1.3% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	40%
Deposits	$11.2M -1.6% YoY+1.7% QoQ	$-14.5M	$25.7M +1.4% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	39%

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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	0.0% -106.7% YoY+12.6% QoQ	-0.6%	0.6% +10.8% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	17%
NIM	4.0% +8.9% YoY+2.0% QoQ	+0.0%	4.0% +4.0% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	52%
Efficiency Ratio	91.5% -8.8% YoY-2.1% QoQ	+9.0%	82.6% -2.3% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.4% -65.1% YoY-11.2% QoQ	-1.1	1.6% -3.1% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	37%
Loan To Share	59.5% +2.1% YoY-5.4% QoQ	-1.1%	60.6% -3.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	48%
AMR	$12,777 +2.5% YoY+0.6% QoQ	$-2K	$14,783 -1.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	44%
CD Concentration	7.8% -13.9% YoY+6.3% QoQ	-16.6%	24.4%	19.3%	19.8%	50%
Indirect Auto %	1.1% -46.6% YoY-12.7% QoQ	-12.7%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (2 metrics)

525

Net Worth Ratio

risk

Value: 20.66%

Peer Median: -

#525 of 2556 Top 20.5% in <100M tier

605

Fee Income Per Member

profitability

Value: $122.62

Peer Median: -

#605 of 2556 Top 23.6% in <100M tier

Top Weaknesses (3 metrics)

2200

Indirect Auto Concentration (%)

balance_sheet

Value: 1.09%

Peer Median: -

#2200 of 2556 Bottom 14.0% in <100M tier

2122

Return on Assets (ROA)

profitability

Value: 0.01%

Peer Median: -

#2122 of 2556 Bottom 17.0% in <100M tier

1988

Efficiency Ratio

profitability

Value: 91.53%

Peer Median: -

#1988 of 2556 Bottom 22.3% in <100M tier