BlastPoint's Credit Union Scorecard
T H P
Charter #4488 · IN
T H P has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.86% above tier average
- + Loan-to-Share Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.17% below tier average
- - Efficiency ratio 27.09% above tier (higher cost structure)
- - Member decline: -3.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
883
-3.5% YoY+0.1% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$4.2M
-4.8% YoY+2.6% QoQ
|
$-26.0M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$2.9M
-7.3% YoY+3.7% QoQ
|
$-12.4M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$3.2M
-6.4% YoY+3.8% QoQ
|
$-22.6M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
-1.0%
+39.1% YoY-562.2% QoQ
|
-1.2% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.3% in tier |
| NIM |
4.9%
-79.4% YoY-53.0% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 14.1% in tier |
| Efficiency Ratio |
117.7%
+14.6% YoY+20.0% QoQ
|
+27.1% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate | 0.2% | -1.3 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
90.6%
-1.0% YoY-0.1% QoQ
|
+32.1% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Top 7.9% in tier |
| AMR |
$6,875
-3.4% YoY+3.6% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
3.0%
-4.4% YoY-3.3% QoQ
|
-21.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)