BlastPoint's Credit Union Scorecard

HAYNES COMMUNITY

Charter #5773 · IN

2596 CUs in <100M nationally 82 in IN

HAYNES COMMUNITY has 1 strength but faces 2 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 0.22% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.47% above tier average
- Indirect Auto Concentration (%): Bottom 0.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	4,071 -1.6% YoY-0.8% QoQ	+1.4K	2,625 -2.2% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	79%
Assets	$39.7M -2.1% YoY+3.0% QoQ	+$9.8M	$29.9M +1.1% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	70%
Loans	$31.8M -6.5% YoY-0.9% QoQ	+$16.0M	$15.8M -2.4% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	84%
Deposits	$35.1M -3.5% YoY+3.0% QoQ	+$9.7M	$25.5M +0.4% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	71%

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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	0.9% +135.3% YoY+22.2% QoQ	+0.2%	0.7% -731.4% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	57%
NIM	3.5% +22.9% YoY+3.7% QoQ	-0.4%	3.9% +3.8% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	35%
Efficiency Ratio	79.3% -6.0% YoY-1.3% QoQ	-2.1%	81.4% -2.4% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	53%
Delinquency Rate	2.0% +82.4% YoY+46.9% QoQ	+0.5	1.5% -2.0% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	79%
Loan To Share	90.4% -3.1% YoY-3.8% QoQ	+29.2%	61.2% -3.0% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	Top 10.6% in tier
AMR	$16,427 -3.4% YoY+1.9% QoQ	+$2K	$14,627 -2.7% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	65%
CD Concentration	21.6% +12.1% YoY+19.8% QoQ	-2.8%	24.4% +4.2% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	72.7% +0.2% YoY-1.5% QoQ	+58.7%	14.0% -5.7% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (5 metrics)

271

Loan-to-Share Ratio

balance_sheet

Value: 90.44%

Peer Avg: -

#271 of 2596 Top 10.4% in <100M tier

428

Total Loans

balance_sheet

Value: $31.76M

Peer Avg: -

#428 of 2596 Top 16.4% in <100M tier

500

Loan-to-Member Ratio (LMR)

engagement

Value: $7,801

Peer Avg: -

#500 of 2596 Top 19.2% in <100M tier

529

Members Per Employee (MPE)

engagement

Value: 452.333

Peer Avg: -

#529 of 2596 Top 20.3% in <100M tier

536

Total Members

engagement

Value: 4,071

Peer Avg: -

#536 of 2596 Top 20.6% in <100M tier

Top Weaknesses (4 metrics)

2580

Indirect Auto Concentration (%)

balance_sheet

Value: 72.69%

Peer Avg: -

#2580 of 2596 Bottom 0.7% in <100M tier

2061

Total Delinquency Rate (60+ days)

risk

Value: 1.98%

Peer Avg: -

#2061 of 2596 Bottom 20.6% in <100M tier

2011

AMR Growth Rate

growth

Value: -3.43%

Peer Avg: -

#2011 of 2596 Bottom 22.6% in <100M tier

1979

Deposit Growth Rate

growth

Value: -3.53%

Peer Avg: -

#1979 of 2596 Bottom 23.8% in <100M tier