BlastPoint's Credit Union Scorecard
HOOSIER HILLS
Charter #60768 · IN
HOOSIER HILLS has 7 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 44.2% in tier
- + Organic Growth Leader: Top 44.2% in tier
- + Relationship Depth Leader: Top 47.5% in tier
- + ROA 0.07% above tier average
- + Total Loans: Top 4.5% in tier
- + Average Member Relationship (AMR): Top 8.1% in tier
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.1% in tier
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
- - Members Per Employee (MPE): Bottom 4.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Indiana.
- Shares and deposits +6.5% year over year ($800M in shares and deposits).
- Membership: 39,794 members, +0.6% vs a year ago.
- Delinquency rate 0.97%.
- Return on assets 0.91%.
- Efficiency ratio 75.78% vs a 74.54% peer average.
- Loan-to-share ratio 93.76% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,794
+0.6% YoY+0.3% QoQ
|
-12.7K |
52,482
+1.3% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$937.6M
+2.5% YoY+0.7% QoQ
|
+$73.6M |
$863.9M
+0.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$750.5M
+2.3% YoY+0.5% QoQ
|
+$142.7M |
$607.8M
+2.1% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 5.4% in tier |
| Deposits |
$800.5M
+6.5% YoY+0.6% QoQ
|
+$60.6M |
$739.9M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
0.9%
+20.5% YoY+2.5% QoQ
|
+0.1% |
0.8%
+30.4% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
3.5%
+8.5% YoY+0.6% QoQ
|
+0.0% |
3.5%
+6.2% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
75.8%
-2.1% YoY-0.5% QoQ
|
+1.2% |
74.5%
-1.4% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
1.0%
-30.9% YoY+14.0% QoQ
|
+0.2 |
0.8%
+1.0% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
93.8%
-3.9% YoY-0.2% QoQ
|
+11.2% |
82.6%
+1.9% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$38,975
+3.8% YoY+0.3% QoQ
|
+$10K |
$28,702
+0.4% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Top 9.0% in tier |
| CD Concentration |
27.6%
+6.6% YoY+3.1% QoQ
|
+3.0% | 24.6% | 19.4% | 20.0% | 63% |
| Indirect Auto % |
1.5%
-33.0% YoY-9.8% QoQ
|
-12.2% | 13.6% | 11.1% | 7.7% | 37% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)