BlastPoint's Credit Union Scorecard

FORT FINANCIAL

Charter #5431 · IN

100M-500M

1070 CUs in 100M-500M nationally 21 in IN

FORT FINANCIAL has 7 strengths but faces 5 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.41% above tier average
+ AMR Growth Rate: Top 4.8% in tier
+ Asset Growth Rate: Top 6.5% in tier
+ Total Loans: Top 6.5% in tier
+ Deposit Growth Rate: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency ratio 4.54% above tier (higher cost structure)
- Member decline: -2.6% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	23,413 -2.6% YoY-0.7% QoQ	+8.3K	15,145 -2.5% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	Top 14.6% in tier
Assets	$398.4M +11.4% YoY+7.3% QoQ	+$166.7M	$231.7M +0.8% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	Top 11.3% in tier
Loans	$292.0M +9.1% YoY-0.4% QoQ	+$147.9M	$144.1M +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	Top 6.6% in tier
Deposits	$350.6M +11.0% YoY+8.0% QoQ	+$149.5M	$201.1M +0.4% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	Top 10.6% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% +37.2% YoY-1.0% QoQ	+0.4%	0.7% +5.1% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	76%
NIM	4.0% -10.2% YoY-7.9% QoQ	+0.4%	3.6% +4.6% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	82.6% +3.1% YoY+2.6% QoQ	+4.5%	78.0% -1.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.3% -58.7% YoY-22.7% QoQ	-0.5	0.8% +7.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	20%
Loan To Share	83.3% -1.8% YoY-7.8% QoQ	+12.9%	70.4% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	76%
AMR	$27,447 +13.0% YoY+4.8% QoQ	+$3K	$24,918 +2.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	72%
CD Concentration	28.2% +35.8% YoY+8.8% QoQ	+3.9%	24.3%	18.9%	19.8%	50%
Indirect Auto %	9.5% -38.9% YoY-11.1% QoQ	-4.3%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#67 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 13.04%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#292 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.59%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#479 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.56%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.59%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#493 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.59%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.06%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.27%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (14 metrics)

AMR Growth Rate

growth

Value: 13.04%

Peer Median: 3.46%

#52 of 1070 Top 4.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.35%

Peer Median: 3.91%

#71 of 1070 Top 6.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $292.02M

Peer Median: $121.41M

#71 of 1070 Top 6.5% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.01%

Peer Median: 3.30%

#76 of 1070 Top 7.0% in 100M-500M tier

113

Total Deposits

balance_sheet

Value: $350.60M

Peer Median: $171.29M

#113 of 1070 Top 10.5% in 100M-500M tier

121

Total Assets

balance_sheet

Value: $398.37M

Peer Median: $196.57M

#121 of 1070 Top 11.2% in 100M-500M tier

156

Total Members

engagement

Value: 23,413

Peer Median: 13,200

#156 of 1070 Top 14.5% in 100M-500M tier

179

Fee Income Per Member

profitability

Value: $226.44

Peer Median: $154.95

#179 of 1070 Top 16.6% in 100M-500M tier

211

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: 0.61%

#211 of 1070 Top 19.6% in 100M-500M tier

219

Loan Growth Rate

growth

Value: 9.06%

Peer Median: 2.93%

#219 of 1070 Top 20.4% in 100M-500M tier

Top Weaknesses (2 metrics)

828

Member Growth Rate

growth

Value: -2.59%

Peer Median: -0.06%

#828 of 1070 Bottom 22.7% in 100M-500M tier

819

Members Per Employee (MPE)

engagement

Value: 260.144

Peer Median: 309.176

#819 of 1070 Bottom 23.6% in 100M-500M tier