BlastPoint's Credit Union Scorecard

MADISON COUNTY

Charter #306 · IN

100M-500M
1070 CUs in 100M-500M nationally 21 in IN

MADISON COUNTY has 7 strengths 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

  • + Organic Growth Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + Emerging Performer: Top 50.0% in tier
  • + ROA 0.22% above tier average
  • + Net Interest Margin 1.13% above tier average
  • + Share Certificate Concentration (%): Top 4.3% in tier
  • + Fee Income Per Member: Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 50.0% in tier
  • - Efficiency ratio 4.94% above tier (higher cost structure)
  • - 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 9,062
+1.1% YoY+0.3% QoQ
 -6.1K 15,145
-2.5% YoY
 22,524
+2.8% YoY
 33,913
+5.7% YoY
 25%
Assets $117.1M
+2.9% YoY+3.7% QoQ
 $-114.6M $231.7M
+0.8% YoY
 $399.0M
+8.5% YoY
 $578.3M
+9.0% YoY
 Bottom 11.7% in tier
Loans $67.6M
+3.1% YoY-0.9% QoQ
 $-76.5M $144.1M
+0.2% YoY
 $281.9M
+8.4% YoY
 $402.4M
+8.7% YoY
 15%
Deposits $103.7M
+1.8% YoY+3.2% QoQ
 $-97.5M $201.1M
+0.4% YoY
 $336.4M
+8.1% YoY
 $494.3M
+9.1% YoY
 Bottom 13.5% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.9%
+113.5% YoY-3.7% QoQ
 +0.2% 0.7%
+5.1% YoY
 0.6%
-3.4% YoY
 0.4%
-39.2% YoY
 67%
NIM 4.8%
-1.2% YoY-3.9% QoQ
 +1.1% 3.6%
+4.6% YoY
 3.7%
-1.2% YoY
 3.8%
+4.1% YoY
 Top 5.1% in tier
Efficiency Ratio 83.0%
+2.8% YoY+3.4% QoQ
 +4.9% 78.0%
-1.7% YoY
 86.7%
+4.4% YoY
 84.6%
+2.8% YoY
 66%
Delinquency Rate 0.5%
-52.2% YoY-58.8% QoQ
 -0.3 0.8%
+7.1% YoY
 1.1%
+11.5% YoY
 1.2%
+3.4% YoY
 37%
Loan To Share 65.2%
+1.2% YoY-3.9% QoQ
 -5.2% 70.4%
-0.4% YoY
 67.3%
+1.1% YoY
 65.6%
-1.4% YoY
 36%
AMR $18,904
+1.2% YoY+1.2% QoQ
 $-6K $24,918
+2.7% YoY
 $18,911
+5.2% YoY
 $19,920
+1.6% YoY
 26%
CD Concentration 4.6%
+2.2% YoY-2.3% QoQ
 -19.6% 24.3% 18.9% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 10.4% 7.7% 50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#235 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.12%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.95%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#299 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.12%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth
#146 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.95%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 1.12%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk
#442 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.96%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.50% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 1.12%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
47
Share Certificate Concentration (%)
balance_sheet
Value: 4.65%
Peer Median: 23.10%
#47 of 1070 Top 4.3% in 100M-500M tier
55
Net Interest Margin (NIM)
profitability
Value: 4.77%
Peer Median: 3.62%
#55 of 1070 Top 5.0% in 100M-500M tier
70
Fee Income Per Member
profitability
Value: $284.68
Peer Median: $154.95
#70 of 1070 Top 6.4% in 100M-500M tier

Top Weaknesses (4 metrics)

985
Members Per Employee (MPE)
engagement
Value: 215.762
Peer Median: 309.176
#985 of 1070 Bottom 8.0% in 100M-500M tier
945
Total Assets
balance_sheet
Value: $117.13M
Peer Median: $196.57M
#945 of 1070 Bottom 11.8% in 100M-500M tier
926
Total Deposits
balance_sheet
Value: $103.67M
Peer Median: $171.29M
#926 of 1070 Bottom 13.6% in 100M-500M tier
906
Total Loans
balance_sheet
Value: $67.64M
Peer Median: $121.41M
#906 of 1070 Bottom 15.4% in 100M-500M tier
Link copied to clipboard!