BlastPoint's Credit Union Scorecard
CONCORA WABASH
Charter #3006 · IN
CONCORA WABASH has 3 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 9.34% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 2.8% in tier
- - Asset Growth Rate: Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 3.4% in tier
- - Total Members: Bottom 6.6% in tier
- - Total Assets: Bottom 7.4% in tier
- - Total Deposits: Bottom 7.7% in tier
- - Loan Growth Rate: Bottom 7.8% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
258
-1.1% YoY-1.9% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 6.5% in tier |
| Assets |
$1.4M
-12.6% YoY+0.3% QoQ
|
$-28.5M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.4% in tier |
| Loans |
$956,708
-18.1% YoY-2.2% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.3% in tier |
| Deposits |
$1.1M
-15.3% YoY+0.2% QoQ
|
$-24.4M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.7% in tier |
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| ROA |
0.3%
-207.9% YoY+45.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
4.0%
+27.0% YoY+3.0% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
90.7%
-14.4% YoY-2.2% QoQ
|
+9.3% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.2%
+39.3% YoY
|
-1.3 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
87.0%
-3.3% YoY-2.4% QoQ
|
+25.8% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 14.3% in tier |
| AMR |
$7,968
-15.7% YoY+1.0% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
1.7%
+18.6% YoY-0.1% QoQ
|
-22.7% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)