BlastPoint's Credit Union Scorecard
FORT FINANCIAL
Charter #5431 · IN
FORT FINANCIAL has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 48.1% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.87% above tier average
- + Total Loans: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.8% in tier
- - Membership Headwinds: Bottom 18.2% in tier
- - Efficiency ratio 2.49% above tier (higher cost structure)
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,953
-2.3% YoY-0.9% QoQ
|
+8.3K |
15,628
-3.4% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 15.0% in tier |
| Assets |
$362.7M
+5.4% YoY+1.1% QoQ
|
+$131.4M |
$231.3M
-0.0% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$284.4M
+5.6% YoY+3.1% QoQ
|
+$136.6M |
$147.8M
-1.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 8.3% in tier |
| Deposits |
$318.1M
+4.7% YoY+0.8% QoQ
|
+$117.8M |
$200.3M
-0.0% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Top 15.0% in tier |
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| ROA |
1.1%
+54.3% YoY+19.8% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
4.5%
-0.9% YoY+0.1% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
79.8%
+4.7% YoY+0.7% QoQ
|
+2.5% |
77.3%
-3.0% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.5%
-54.2% YoY-11.6% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
89.4%
+0.9% YoY+2.2% QoQ
|
+16.7% |
72.7%
-1.5% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$25,153
+7.6% YoY+2.8% QoQ
|
+$790 |
$24,363
+2.9% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
24.0%
+15.9% YoY+7.0% QoQ
|
-0.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.4%
-36.1% YoY-9.7% QoQ
|
-1.6% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)