BlastPoint's Credit Union Scorecard
HOOSIER HILLS
Charter #60768 · IN
HOOSIER HILLS has 6 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 16.7% in tier
- + Organic Growth Engine: Top 20.4% in tier
- + Relationship Depth Leader: Top 89.1% in tier
- + ROA 0.03% above tier average
- + Total Loans: Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.3% in tier
- - Flatlined Growth: Bottom 22.3% in tier
- - Efficiency ratio 2.88% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Members Per Employee (MPE): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,826
+2.4% YoY+0.7% QoQ
|
-12.3K |
52,114
-2.1% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$917.1M
+1.9% YoY+0.3% QoQ
|
+$58.1M |
$859.0M
+0.0% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$746.3M
+1.2% YoY+1.7% QoQ
|
+$142.9M |
$603.4M
+1.0% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 8.0% in tier |
| Deposits |
$756.3M
+7.7% YoY+0.6% QoQ
|
+$22.1M |
$734.2M
+0.9% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
0.7%
+90.3% YoY-2.7% QoQ
|
+0.0% |
0.7%
+27.6% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
3.2%
+7.7% YoY+1.4% QoQ
|
-0.1% |
3.4%
+9.6% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
77.4%
-9.1% YoY-0.0% QoQ
|
+2.9% |
74.5%
-3.2% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.1%
-0.3% YoY-22.5% QoQ
|
+0.3 |
0.8%
+5.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
98.7%
-6.1% YoY+1.2% QoQ
|
+16.0% |
82.7%
+0.1% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 11.6% in tier |
| AMR |
$37,728
+1.9% YoY+0.5% QoQ
|
+$9K |
$28,651
+2.5% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 12.5% in tier |
| CD Concentration |
26.9%
+10.7% YoY+4.1% QoQ
|
+2.5% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
60% |
| Indirect Auto % |
1.9%
-31.0% YoY-11.7% QoQ
|
-12.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
39% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)