BlastPoint's Credit Union Scorecard

THRIVE

Charter #3631 · IN

1069 CUs in 100M-500M nationally 19 in IN

THRIVE has 9 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 3.4% in tier
  • + Emerging Performer: Top 5.5% in tier
  • + Organic Growth Leader: Top 19.1% in tier
  • + ROA 0.84% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Strong member growth: 5.1% YoY
  • + Fee Income Per Member: Top 4.2% in tier
  • + Loan Growth Rate: Top 8.2% in tier
  • + Member Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.51% above tier average
  • - Total Assets: Bottom 4.9% in tier
  • - Total Deposits: Bottom 6.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 8,211
+5.1% YoY+0.7% QoQ
 -7.2K 15,437
-2.9% YoY
 22,624
+3.2% YoY
 33,374
+5.7% YoY
 19%
Assets $107.2M
+7.3% YoY+0.7% QoQ
 $-124.6M $231.9M
+1.3% YoY
 $390.3M
+10.1% YoY
 $561.6M
+9.7% YoY
 Bottom 4.8% in tier
Loans $71.4M
+14.4% YoY+3.4% QoQ
 $-76.0M $147.3M
-0.1% YoY
 $281.2M
+8.6% YoY
 $397.0M
+8.8% YoY
 16%
Deposits $93.9M
+5.8% YoY-0.0% QoQ
 $-106.9M $200.8M
+0.8% YoY
 $327.7M
+9.9% YoY
 $477.3M
+9.7% YoY
 Bottom 5.9% in tier

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

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ROA 1.6%
+84.1% YoY-1.6% QoQ
 +0.8% 0.8%
+18.2% YoY
 0.9%
+52.7% YoY
 0.7%
+15.9% YoY
 Top 8.2% in tier
NIM 3.8%
+10.0% YoY+0.6% QoQ
 +0.2% 3.6%
+6.7% YoY
 3.9%
+8.6% YoY
 3.8%
+5.1% YoY
 63%
Efficiency Ratio 70.0%
-9.9% YoY+0.3% QoQ
 -7.0% 77.0%
-3.1% YoY
 78.1%
-3.9% YoY
 79.7%
-3.3% YoY
 26%
Delinquency Rate 1.4%
-20.2% YoY+8.3% QoQ
 +0.5 0.9%
+4.2% YoY
 1.3%
+9.0% YoY
 1.3%
-2.1% YoY
 84%
Loan To Share 76.0%
+8.1% YoY+3.4% QoQ
 +3.8% 72.2%
-1.1% YoY
 69.9%
+0.6% YoY
 67.4%
-1.7% YoY
 54%
AMR $20,132
+4.1% YoY+0.6% QoQ
 $-5K $24,676
+3.4% YoY
 $18,520
+5.2% YoY
 $19,687
+2.0% YoY
 34%
CD Concentration 30.0%
-1.3% YoY-0.1% QoQ
 +5.6% 24.4% 19.3% 19.8% 50%
Indirect Auto % 2.3%
+1.5% YoY-9.0% QoQ
 -11.5% 13.8% 10.7% 7.8% 50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#21 of 595 • Top 3.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.11%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.60%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 2.33%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth
#11 of 182 • Top 5.5% 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: 1.60%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Member Growth (YoY): 5.11%
(Tier: 0.69%, National: 4.32%)
better than tier avg
182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally
→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth
#82 of 426 • Top 19.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.11%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 2.33%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

46
Fee Income Per Member
profitability
Value: $313.89
Peer Median: -
#46 of 1069 Top 4.2% in 100M-500M tier
88
Return on Assets (ROA)
profitability
Value: 1.60%
Peer Median: -
#88 of 1069 Top 8.1% in 100M-500M tier
89
Loan Growth Rate
growth
Value: 14.41%
Peer Median: -
#89 of 1069 Top 8.2% in 100M-500M tier
103
Member Growth Rate
growth
Value: 5.11%
Peer Median: -
#103 of 1069 Top 9.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1018
Total Assets
balance_sheet
Value: $107.24M
Peer Median: -
#1018 of 1069 Bottom 4.9% in 100M-500M tier
1006
Total Deposits
balance_sheet
Value: $93.92M
Peer Median: -
#1006 of 1069 Bottom 6.0% in 100M-500M tier
902
Total Delinquency Rate (60+ days)
risk
Value: 1.40%
Peer Median: -
#902 of 1069 Bottom 15.7% in 100M-500M tier
893
Total Loans
balance_sheet
Value: $71.38M
Peer Median: -
#893 of 1069 Bottom 16.6% in 100M-500M tier
869
Total Members
engagement
Value: 8,211
Peer Median: -
#869 of 1069 Bottom 18.8% in 100M-500M tier
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