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 66.3% in tier
- + Organic Growth Engine: Top 72.6% in tier
- + Relationship Depth Leader: Top 75.3% in tier
- + Total Loans: Top 6.0% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 43.6% in tier
- - ROA 0.01% below tier average
- - Efficiency ratio 3.81% above tier (higher cost structure)
- - Delinquency rate 0.25% above tier average
- - Members Per Employee (MPE): Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,695
+1.7% YoY-0.3% QoQ
|
-12.4K |
52,084
-1.6% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$925.7M
+3.4% YoY+0.9% QoQ
|
+$61.8M |
$863.9M
+0.5% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$749.7M
+2.2% YoY+0.5% QoQ
|
+$143.8M |
$605.8M
+1.4% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 6.8% in tier |
| Deposits |
$763.0M
+7.8% YoY+0.9% QoQ
|
+$25.7M |
$737.3M
+0.1% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.7%
+65.1% YoY+0.1% QoQ
|
-0.0% |
0.7%
+39.1% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.3%
+7.2% YoY+1.3% QoQ
|
-0.1% |
3.4%
+8.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
78.2%
-6.7% YoY+1.0% QoQ
|
+3.8% |
74.3%
-3.6% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.1%
-25.6% YoY+4.1% QoQ
|
+0.2 |
0.9%
+3.8% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
98.3%
-5.2% YoY-0.4% QoQ
|
+15.7% |
82.6%
+1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 9.4% in tier |
| AMR |
$38,107
+3.1% YoY+1.0% QoQ
|
+$9K |
$28,873
+2.7% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 12.0% in tier |
| CD Concentration |
27.0%
+7.2% YoY+0.1% QoQ
|
+2.5% | 24.4% | 19.3% | 19.8% | 59% |
| Indirect Auto % |
1.8%
-32.4% YoY-7.6% QoQ
|
-12.0% | 13.8% | 10.7% | 7.8% | 38% |
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 (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)