BlastPoint's Credit Union Scorecard

HAYNES COMMUNITY

Charter #5773 · IN

<100M

2508 CUs in <100M nationally 80 in IN

HAYNES COMMUNITY has 1 strength but faces 4 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

+ ROA 0.36% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.59% above tier average
- Member decline: -2.9% YoY
- Indirect Auto Concentration (%): Bottom 0.6% in tier
- Net Interest Margin (NIM): Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	3,986 -2.9% YoY-0.8% QoQ	+1.3K	2,676 +1.6% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	79%
Assets	$42.4M +6.7% YoY+2.9% QoQ	+$12.2M	$30.2M +1.3% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	71%
Loans	$29.2M -10.0% YoY-3.3% QoQ	+$14.0M	$15.3M -2.0% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	82%
Deposits	$37.4M +5.7% YoY+3.1% QoQ	+$11.6M	$25.8M +0.7% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	72%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -7.9% YoY-33.8% QoQ	+0.4%	0.1% -77.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	45%
NIM	2.3% -27.0% YoY-31.3% QoQ	-1.7%	4.0% +4.0% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	Bottom 5.9% in tier
Efficiency Ratio	77.2% -8.1% YoY-6.4% QoQ	-13.4%	90.6% +6.5% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	2.1% +96.9% YoY-7.0% QoQ	+0.6	1.5% +3.8% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	82%
Loan To Share	78.2% -14.9% YoY-6.2% QoQ	+19.7%	58.5% -3.0% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	80%
AMR	$16,723 +1.2% YoY+1.0% QoQ	+$2K	$14,884 -1.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	64%
CD Concentration	25.5% +31.0% YoY-1.0% QoQ	+1.2%	24.3%	18.9%	19.8%	50%
Indirect Auto %	72.6% -1.6% YoY-0.5% QoQ	+58.8%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

399

Asset Growth Rate

growth

Value: 6.74%

Peer Median: 1.30%

#399 of 2508 Top 15.9% in <100M tier

442

Total Loans

balance_sheet

Value: $29.25M

Peer Median: $9.48M

#442 of 2508 Top 17.6% in <100M tier

509

Loan-to-Share Ratio

balance_sheet

Value: 78.17%

Peer Median: 58.72%

#509 of 2508 Top 20.3% in <100M tier

510

Deposit Growth Rate

growth

Value: 5.73%

Peer Median: 0.66%

#510 of 2508 Top 20.3% in <100M tier

523

Total Members

engagement

Value: 3,986

Peer Median: 1,918

#523 of 2508 Top 20.8% in <100M tier

544

Members Per Employee (MPE)

engagement

Value: 442.889

Peer Median: 333.750

#544 of 2508 Top 21.7% in <100M tier

549

Loan-to-Member Ratio (LMR)

engagement

Value: $7,337

Peer Median: $4,923

#549 of 2508 Top 21.9% in <100M tier

Top Weaknesses (5 metrics)

2495

Indirect Auto Concentration (%)

balance_sheet

Value: 72.56%

Peer Median: 0.00%

#2495 of 2508 Bottom 0.6% in <100M tier

2360

Net Interest Margin (NIM)

profitability

Value: 2.32%

Peer Median: 3.83%

#2360 of 2508 Bottom 5.9% in <100M tier

2056

Total Delinquency Rate (60+ days)

risk

Value: 2.09%

Peer Median: 0.65%

#2056 of 2508 Bottom 18.1% in <100M tier

1949

Loan Growth Rate

growth

Value: -10.01%

Peer Median: -2.36%

#1949 of 2508 Bottom 22.3% in <100M tier

1900

Share Certificate Concentration (%)

balance_sheet

Value: 25.52%

Peer Median: 12.45%

#1900 of 2508 Bottom 24.3% in <100M tier