BlastPoint's Credit Union Scorecard
FORT FINANCIAL
Charter #5431 · IN
FORT FINANCIAL has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.36% above tier average
- + Net Interest Margin 0.39% above tier average
- + AMR Growth Rate: Top 6.4% in tier
- + Asset Growth Rate: Top 7.2% in tier
- + Deposit Growth Rate: Top 7.8% in tier
- + Total Loans: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 4.22% above tier (higher cost structure)
- - Member decline: -4.0% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +10.5% year over year ($349M in shares and deposits).
- Membership: 23,200 members, -4.0% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 1.22%.
- Efficiency ratio 80.95% vs a 76.73% peer average.
- Loan-to-share ratio 82.30% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,200
-4.0% YoY-0.9% QoQ
|
+8.0K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 15.0% in tier |
| Assets |
$397.3M
+10.8% YoY-0.3% QoQ
|
+$165.3M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Top 11.8% in tier |
| Loans |
$287.0M
+4.0% YoY-1.7% QoQ
|
+$140.7M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 7.9% in tier |
| Deposits |
$348.7M
+10.5% YoY-0.5% QoQ
|
+$148.0M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Top 10.2% in tier |
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| ROA |
1.2%
+32.5% YoY+9.5% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
4.1%
-8.4% YoY+0.8% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
81.0%
+2.2% YoY-2.0% QoQ
|
+4.2% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.5%
-4.1% YoY+86.6% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
82.3%
-5.9% YoY-1.2% QoQ
|
+10.8% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$27,402
+12.0% YoY-0.2% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
28.1%
+25.3% YoY-0.4% QoQ
|
+3.5% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
8.5%
-38.0% YoY-10.6% QoQ
|
-5.1% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)