BlastPoint's Credit Union Scorecard
MADISON COUNTY
Charter #306 · IN
MADISON COUNTY has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.2% in tier
- + Organic Growth Leader: Top 28.0% in tier
- + ROA 0.26% above tier average
- + Net Interest Margin 1.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 4.5% in tier
- + Fee Income Per Member: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 26.5% in tier
- - Efficiency ratio 0.47% above tier (higher cost structure)
- - Delinquency rate 0.54% above tier average
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,040
+1.0% YoY+0.2% QoQ
|
-6.6K |
15,628
-3.4% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$113.3M
+3.4% YoY+1.0% QoQ
|
$-118.0M |
$231.3M
-0.0% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.8% in tier |
| Loans |
$68.3M
+3.8% YoY+2.6% QoQ
|
$-79.5M |
$147.8M
-1.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.1% in tier |
| Deposits |
$101.0M
+2.6% YoY+1.0% QoQ
|
$-99.3M |
$200.3M
-0.0% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.9% in tier |
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| ROA |
1.0%
-13.6% YoY+2.7% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
4.9%
+4.4% YoY+2.0% QoQ
|
+1.4% |
3.6%
+6.9% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
77.7%
+0.3% YoY+0.9% QoQ
|
+0.5% |
77.3%
-3.0% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.4%
-36.5% YoY-11.9% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
67.7%
+1.2% YoY+1.6% QoQ
|
-5.0% |
72.7%
-1.5% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$18,728
+2.1% YoY+1.4% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
4.8%
+4.9% YoY+3.4% QoQ
|
-19.6% |
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 (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)