BlastPoint's Credit Union Scorecard

HOOSIER HILLS

Charter #60768 · IN

Community 750M-1B

117 CUs in 750M-1B nationally 5 in IN

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HOOSIER HILLS has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 36.0% in tier
+ Organic Growth Leader: Top 36.0% in tier
+ Relationship Depth Leader: Top 44.2% in tier
+ ROA 0.13% above tier average
+ Total Loans: Top 4.3% in tier
+ Loan-to-Member Ratio (LMR): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.7% in tier
- Efficiency ratio 0.65% above tier (higher cost structure)
- Delinquency rate 0.17% above tier average
- Members Per Employee (MPE): Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	39,692 +1.3% YoY-0.0% QoQ	-11.8K	51,500 +0.7% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	24%
Assets	$931.0M +2.6% YoY+0.6% QoQ	+$65.4M	$865.6M +0.9% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	74%
Loans	$747.0M +2.2% YoY-0.4% QoQ	+$151.7M	$595.3M +1.6% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	Top 5.1% in tier
Deposits	$795.5M +8.8% YoY+4.3% QoQ	+$53.3M	$742.2M +0.6% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	74%

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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% +28.6% YoY+20.6% QoQ	+0.1%	0.8% +45.0% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	65%
NIM	3.4% +9.2% YoY+4.9% QoQ	+0.0%	3.5% +6.1% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	76.2% -2.4% YoY-2.5% QoQ	+0.7%	75.5% -3.4% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	44%
Delinquency Rate	0.8% -10.7% YoY-24.9% QoQ	+0.2	0.7% -0.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	73%
Loan To Share	93.9% -6.0% YoY-4.4% QoQ	+13.3%	80.6% +0.7% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	85%
AMR	$38,862 +4.1% YoY+2.0% QoQ	+$10K	$28,908 +0.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	Top 11.1% in tier
CD Concentration	26.8% +5.8% YoY-0.7% QoQ	+2.5%	24.3%	18.9%	19.8%	61%
Indirect Auto %	1.6% -32.7% YoY-8.9% QoQ	-12.2%	13.8%	10.4%	7.7%	38%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#156 of 257 • Top 44.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.12%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Organic Growth Engine

growth

#258 of 352 • Top 36.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.32%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.89%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 1.63%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#279 of 371 • Top 36.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.32%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.63%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#111 of 183 • Bottom 6.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.90%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.22%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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 117 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $747.01M

Peer Median: $618.21M

#6 of 117 Top 4.3% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,820

Peer Median: $11,598

#10 of 117 Top 7.7% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $38,862

Peer Median: $26,209

#13 of 117 Top 10.3% in 750M-1B tier

Deposit Growth Rate

growth

Value: 8.77%

Peer Median: 4.60%

#18 of 117 Top 14.5% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 93.90%

Peer Median: 84.41%

#18 of 117 Top 14.5% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: 0.47%

#19 of 117 Top 15.4% in 750M-1B tier

Fee Income Per Member

profitability

Value: $261.51

Peer Median: $187.56

#27 of 117 Top 22.2% in 750M-1B tier

Total Assets

balance_sheet

Value: $931.01M

Peer Median: $858.87M

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (3 metrics)

112

Members Per Employee (MPE)

engagement

Value: 210.011

Peer Median: 328.468

#112 of 117 Bottom 5.1% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 48.00%

Peer Median: 32.60%

#95 of 117 Bottom 19.7% in 750M-1B tier

Total Members

engagement

Value: 39,692

Peer Median: 51,712

#89 of 117 Bottom 24.8% in 750M-1B tier