BlastPoint's Credit Union Scorecard
T H P
Charter #4488 · IN
T H P has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 6.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Loan-to-Share Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 15.58% above tier (higher cost structure)
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
882
-2.4% YoY-2.4% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$4.1M
-1.4% YoY+0.4% QoQ
|
$-26.1M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.8M
-2.7% YoY-7.4% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$3.1M
-2.3% YoY+0.6% QoQ
|
$-22.6M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.2%
-314.1% YoY-29.4% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
10.4%
+120.2% YoY-13.7% QoQ
|
+6.4% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
98.1%
-3.7% YoY+0.4% QoQ
|
+15.6% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 13.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
90.7%
-0.4% YoY-7.9% QoQ
|
+30.1% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 9.4% in tier |
| AMR |
$6,635
-0.0% YoY-1.0% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.6% in tier |
| CD Concentration |
3.1%
-12.6% YoY-10.0% QoQ
|
-21.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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)