BlastPoint's Credit Union Scorecard

PROFINANCE

Charter #2711 · IN

<100M

2508 CUs in <100M nationally 80 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

+ ROA 0.07% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 4.93% above tier (higher cost structure)
- Delinquency rate 1.05% above tier average
- Member decline: -2.8% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	1,387 -2.8% YoY-0.6% QoQ	-1.3K	2,676 +1.6% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	38%
Assets	$14.8M +0.4% YoY+2.7% QoQ	$-15.4M	$30.2M +1.3% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	41%
Loans	$6.5M +2.6% YoY-2.5% QoQ	$-8.8M	$15.3M -2.0% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	40%
Deposits	$11.6M -0.4% YoY+4.2% QoQ	$-14.1M	$25.8M +0.7% YoY	$336.4M +8.1% YoY	$494.3M +9.1% 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	0.2% -5.3% YoY	+0.1%	0.1% -77.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	31%
NIM	3.7% +1.1% YoY-6.0% QoQ	-0.3%	4.0% +4.0% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	45%
Efficiency Ratio	95.6% +5.6% YoY+4.4% QoQ	+4.9%	90.6% +6.5% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	2.6% +296.2% YoY+510.1% QoQ	+1.0	1.5% +3.8% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	Bottom 14.0% in tier
Loan To Share	55.6% +3.0% YoY-6.5% QoQ	-2.9%	58.5% -3.0% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	46%
AMR	$13,069 +3.6% YoY+2.3% QoQ	$-2K	$14,884 -1.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	45%
CD Concentration	6.7% -36.0% YoY-15.1% QoQ	-17.6%	24.3%	18.9%	19.8%	50%
Indirect Auto %	0.9% -50.3% YoY-15.6% QoQ	-12.9%	13.8%	10.4%	7.7%	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 2508 peers in tier

Top Strengths (3 metrics)

343

Net Charge-Off Rate

risk

Value: -0.04%

Peer Median: 0.07%

#343 of 2508 Top 13.6% in <100M tier

540

Net Worth Ratio

risk

Value: 20.18%

Peer Median: 14.28%

#540 of 2508 Top 21.5% in <100M tier

567

Fee Income Per Member

profitability

Value: $115.78

Peer Median: $60.42

#567 of 2508 Top 22.6% in <100M tier

Top Weaknesses (4 metrics)

2167

Indirect Auto Concentration (%)

balance_sheet

Value: 0.92%

Peer Median: 0.00%

#2167 of 2508 Bottom 13.6% in <100M tier

2159

Total Delinquency Rate (60+ days)

risk

Value: 2.55%

Peer Median: 0.65%

#2159 of 2508 Bottom 14.0% in <100M tier

1982

Efficiency Ratio

profitability

Value: 95.56%

Peer Median: 81.45%

#1982 of 2508 Bottom 21.0% in <100M tier

1902

First Mortgage Concentration (%)

balance_sheet

Value: 26.79%

Peer Median: 3.66%

#1902 of 2508 Bottom 24.2% in <100M tier