BlastPoint's Credit Union Scorecard
T H P
Charter #4488 · IN
T H P has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 8.06% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 16.32% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 7.2% in tier
- - Asset Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
904
-1.6% YoY-0.8% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$4.0M
-7.6% YoY-3.9% QoQ
|
$-25.8M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$3.0M
+3.8% YoY-4.4% QoQ
|
$-12.8M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$3.1M
-10.1% YoY-5.5% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
0.3%
-1221.1% YoY-308.2% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
12.0%
+157.0% YoY-18.7% QoQ
|
+8.1% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
97.7%
-2.8% YoY-3.2% QoQ
|
+16.3% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 13.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
98.5%
+15.4% YoY+1.1% QoQ
|
+37.3% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 5.1% in tier |
| AMR |
$6,701
-2.1% YoY-4.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.1% in tier |
| CD Concentration |
3.4%
+5.2% YoY+6.2% QoQ
|
-21.0% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)