BlastPoint's Credit Union Scorecard
THRIVE
Charter #3631 · IN
THRIVE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 5.65% above tier (higher cost structure)
- - Delinquency rate 0.20% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +4.8% year over year ($96.2M in shares and deposits).
- Membership: 8,450 members, +4.2% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.75%.
- Efficiency ratio 82.38% vs a 76.73% peer average.
- Loan-to-share ratio 77.94% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,450
+4.2% YoY+1.5% QoQ
|
-6.7K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$110.0M
+6.0% YoY-2.9% QoQ
|
$-122.0M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.1% in tier |
| Loans |
$75.0M
+12.2% YoY+4.1% QoQ
|
$-71.3M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$96.2M
+4.8% YoY-3.7% QoQ
|
$-104.5M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.1% in tier |
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| ROA |
0.8%
-53.4% YoY+18.0% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.8%
+1.5% YoY+2.5% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
82.4%
+18.6% YoY-2.9% QoQ
|
+5.6% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
1.1%
+33.4% YoY-15.1% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
77.9%
+7.1% YoY+8.1% QoQ
|
+6.4% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$20,257
+3.6% YoY-1.9% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
31.6%
+6.4% YoY+2.9% QoQ
|
+7.0% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
2.1%
-22.2% YoY-9.0% QoQ
|
-11.5% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)