BlastPoint's Credit Union Scorecard

I. H. MISSISSIPPI VALLEY

Charter #60337 · IL

Mid-Market 1B-3B

IHMVCU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

IHMVCU is one of 101 credit unions in the 2026 VentureTech card set. We also found IHMVCU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

IHMVCU

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IHMVCU
PEER · AT VENTURETECH
PEER · AT VENTURETECH
IHMVCU'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 8 in IL

View Mid-Market leaderboard →

I. H. MISSISSIPPI VALLEY has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.29% above tier average
+ Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 32.5% in tier
- Indirect Auto Dependency: Bottom 73.9% in tier
- Stagnation Risk: Bottom 79.3% in tier
- Membership Headwinds: Bottom 79.3% in tier
- Indirect Auto Concentration (%): Bottom 6.7% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	149,553 -1.0% YoY-0.1% QoQ	+52.7K	96,861 -1.9% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	Top 12.0% in tier
Assets	$2.3B +2.6% YoY-1.5% QoQ	+$572.0M	$1.7B +0.4% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	78%
Loans	$1.9B +2.2% YoY-1.3% QoQ	+$651.7M	$1.2B +0.7% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	Top 12.7% in tier
Deposits	$2.0B +3.0% YoY-0.3% QoQ	+$554.3M	$1.5B +0.5% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	80%

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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% -349.6% YoY+9.0% QoQ	+0.3%	0.8% +27.6% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	77%
NIM	3.6% +4.0% YoY+1.8% QoQ	+0.1%	3.4% +6.6% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	58%
Efficiency Ratio	68.7% +4.7% YoY-0.6% QoQ	-4.4%	73.0% -2.7% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	32%
Delinquency Rate	0.9% -63.3% YoY+13.0% QoQ	+0.0	0.9% +7.3% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	63%
Loan To Share	93.5% -0.8% YoY-0.9% QoQ	+8.8%	84.7% +0.1% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	72%
AMR	$26,102 +3.7% YoY-0.7% QoQ	$-3K	$29,575 +1.5% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	37%
CD Concentration	34.8% -15.5% YoY-4.2% QoQ	+5.8%	29.1%	14.0%	20.0%	75%
Indirect Auto %	46.3% -15.5% YoY-4.2% QoQ	+28.2%	18.1%	6.8%	7.7%	Bottom 6.7% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#55 of 193 • Bottom 73.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.64%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 46.27%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.01%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Stagnation Risk

risk

#63 of 86 • Bottom 79.3% 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): -1.01%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.21%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.86%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Liquidity Strain

risk

#141 of 168 • Bottom 32.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.47%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 2.21%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#78 of 86 • Bottom 79.3% in tier

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

Why This Signature

Member Growth (YoY): -1.01%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | 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 300 peers in tier

Top Strengths (5 metrics)

Total Members

engagement

Value: 149,553

Peer Median: 86,516

#36 of 300 Top 11.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.89B

Peer Median: $1.14B

#38 of 300 Top 12.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.02B

Peer Median: $1.30B

#59 of 300 Top 19.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.30B

Peer Median: $1.51B

#65 of 300 Top 21.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.11%

Peer Median: 0.77%

#70 of 300 Top 23.0% in 1B-3B tier

Top Weaknesses (5 metrics)

281

Indirect Auto Concentration (%)

balance_sheet

Value: 46.27%

Peer Median: 14.26%

#281 of 300 Bottom 6.7% in 1B-3B tier

264

Net Charge-Off Rate

risk

Value: 1.04%

Peer Median: 0.52%

#264 of 300 Bottom 12.3% in 1B-3B tier

264

Net Worth Ratio

risk

Value: 9.12%

Peer Median: 10.91%

#264 of 300 Bottom 12.3% in 1B-3B tier

235

Share Certificate Concentration (%)

balance_sheet

Value: 34.84%

Peer Median: 28.24%

#235 of 300 Bottom 22.0% in 1B-3B tier

232

Member Growth Rate

growth

Value: -1.01%

Peer Median: 1.84%

#232 of 300 Bottom 23.0% in 1B-3B tier