BlastPoint's Credit Union Scorecard
THRIVE
Charter #3631 · IN
THRIVE has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 1.3% in tier
- + Organic Growth Leader: Top 6.5% in tier
- + Emerging Performer: Top 7.4% in tier
- + Profitability Leader: Top 31.3% in tier
- + ROA 0.84% above tier average
- + Net Interest Margin 0.21% above tier average
- + Fee Income Per Member: Top 4.4% in tier
- + Loan Growth Rate: Top 8.9% in tier
- + Member Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1.1% in tier
- - Credit Quality Pressure: Bottom 3.9% in tier
- - Delinquency rate 0.44% above tier average
- - Total Assets: Bottom 4.5% in tier
- - Total Deposits: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,150
+4.8% YoY+0.5% QoQ
|
-7.5K |
15,628
-3.4% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$106.5M
+5.7% YoY+2.6% QoQ
|
$-124.8M |
$231.3M
-0.0% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.4% in tier |
| Loans |
$69.1M
+13.0% YoY+3.4% QoQ
|
$-78.7M |
$147.8M
-1.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.8% in tier |
| Deposits |
$94.0M
+4.8% YoY+2.4% QoQ
|
$-106.3M |
$200.3M
-0.0% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.7% in tier |
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| ROA |
1.6%
+71.9% YoY+0.7% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 8.8% in tier |
| NIM |
3.8%
+9.4% YoY+2.6% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
69.8%
-10.0% YoY+0.4% QoQ
|
-7.5% |
77.3%
-3.0% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
1.3%
+92.9% YoY+60.3% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
73.5%
+7.8% YoY+1.0% QoQ
|
+0.8% |
72.7%
-1.5% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$20,004
+3.1% YoY+2.3% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
30.0%
-4.2% YoY+1.2% QoQ
|
+5.6% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
2.6%
+18.1% YoY-6.3% QoQ
|
-11.4% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
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.
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)