BlastPoint's Credit Union Scorecard

CONCORA WABASH

Charter #3006 · IN

<100M
2508 CUs in <100M nationally 80 in IN

CONCORA WABASH has 4 strengths but faces 8 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 0.50% above tier average
  • + Net Interest Margin 1.17% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Loan-to-Share Ratio: Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -4.2% YoY
  • - Deposit Growth Rate: Bottom 1.5% in tier
  • - Asset Growth Rate: Bottom 1.8% in tier
  • - Total Assets: Bottom 6.1% in tier
  • - Total Members: Bottom 6.2% in tier
  • - Total Deposits: Bottom 6.3% in tier
  • - AMR Growth Rate: Bottom 7.2% in tier
  • - Members Per Employee (MPE): Bottom 8.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 250
-4.2% YoY-0.4% QoQ
 -2.4K 2,676
+1.6% YoY
 22,524
+2.8% YoY
 33,913
+5.7% YoY
 Bottom 6.1% in tier
Assets $1.1M
-15.1% YoY-4.5% QoQ
 $-29.0M $30.2M
+1.3% YoY
 $399.0M
+8.5% YoY
 $578.3M
+9.0% YoY
 Bottom 6.0% in tier
Loans $984,785
-8.1% YoY-5.9% QoQ
 $-14.3M $15.3M
-2.0% YoY
 $281.9M
+8.4% YoY
 $402.4M
+8.7% YoY
 Bottom 11.4% in tier
Deposits $892,124
-19.1% YoY-6.0% QoQ
 $-24.9M $25.8M
+0.7% YoY
 $336.4M
+8.1% YoY
 $494.3M
+9.1% YoY
 Bottom 6.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.6%
-414.1% YoY+184.0% QoQ
 +0.5% 0.1%
-77.6% YoY
 0.6%
-3.4% YoY
 0.4%
-39.2% YoY
 52%
NIM 5.2%
+50.1% YoY+18.3% QoQ
 +1.2% 4.0%
+4.0% YoY
 3.7%
-1.2% YoY
 3.8%
+4.1% YoY
 Top 9.4% in tier
Efficiency Ratio 84.6%
-18.1% YoY-8.9% QoQ
 -6.0% 90.6%
+6.5% YoY
 86.7%
+4.4% YoY
 84.6%
+2.8% YoY
 57%
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
 -1.5 1.5%
+3.8% YoY
 1.1%
+11.5% YoY
 1.2%
+3.4% YoY
 Top 0.1% in tier
Loan To Share 110.4%
+13.6% YoY+0.1% QoQ
 +51.9% 58.5%
-3.0% YoY
 67.3%
+1.1% YoY
 65.6%
-1.4% YoY
 Top 1.4% in tier
AMR $7,508
-9.9% YoY-5.5% QoQ
 $-7K $14,884
-1.7% YoY
 $18,911
+5.2% YoY
 $19,920
+1.6% YoY
 17%
CD Concentration 2.1%
+24.1% YoY+6.4% QoQ
 -22.2% 24.3% 18.9% 19.8% 50%
Indirect Auto % 0.0% -13.8% 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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.65%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
34
Loan-to-Share Ratio
balance_sheet
Value: 110.39%
Peer Median: 58.72%
#34 of 2508 Top 1.3% in <100M tier
237
Net Interest Margin (NIM)
profitability
Value: 5.18%
Peer Median: 3.83%
#237 of 2508 Top 9.4% in <100M tier
415
Net Worth Ratio
risk
Value: 22.06%
Peer Median: 14.28%
#415 of 2508 Top 16.5% in <100M tier

Top Weaknesses (12 metrics)

2471
Deposit Growth Rate
growth
Value: -19.14%
Peer Median: 0.66%
#2471 of 2508 Bottom 1.5% in <100M tier
2464
Asset Growth Rate
growth
Value: -15.13%
Peer Median: 1.30%
#2464 of 2508 Bottom 1.8% in <100M tier
2357
Total Assets
balance_sheet
Value: $1.15M
Peer Median: $21.86M
#2357 of 2508 Bottom 6.1% in <100M tier
2353
Total Members
engagement
Value: 250
Peer Median: 1,918
#2353 of 2508 Bottom 6.2% in <100M tier
2350
Total Deposits
balance_sheet
Value: $892,124
Peer Median: $18.77M
#2350 of 2508 Bottom 6.3% in <100M tier
2329
AMR Growth Rate
growth
Value: -9.92%
Peer Median: 1.27%
#2329 of 2508 Bottom 7.2% in <100M tier
2309
Members Per Employee (MPE)
engagement
Value: 125.000
Peer Median: 333.750
#2309 of 2508 Bottom 8.0% in <100M tier
2237
Fee Income Per Member
profitability
Value: $2.16
Peer Median: $60.42
#2237 of 2508 Bottom 10.8% in <100M tier
2222
Total Loans
balance_sheet
Value: $984,785
Peer Median: $9.48M
#2222 of 2508 Bottom 11.4% in <100M tier
2086
Average Member Relationship (AMR)
engagement
Value: $7,508
Peer Median: $13,926
#2086 of 2508 Bottom 16.9% in <100M tier
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