BlastPoint's Credit Union Scorecard
PUBLIC SERVICE #3
Charter #64275 · IN
PUBLIC SERVICE #3 has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Total Deposits: Top 3.9% in tier
- + Total Loans: Top 4.5% in tier
- + Total Assets: Top 4.7% in tier
- + Average Member Relationship (AMR): Top 7.5% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
- + Fee Income Per Member: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,967
-3.4% YoY-0.4% QoQ
|
+2.3K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Top 13.4% in tier |
| Assets |
$87.5M
+4.9% YoY+3.8% QoQ
|
+$57.4M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Top 4.7% in tier |
| Loans |
$50.7M
+5.8% YoY+2.1% QoQ
|
+$35.4M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Top 4.6% in tier |
| Deposits |
$77.0M
+4.7% YoY+4.9% QoQ
|
+$51.2M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Top 3.9% in tier |
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| ROA |
0.8%
+130.3% YoY+21.5% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
3.7%
-1.4% YoY-6.0% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
82.0%
+2.6% YoY+9.1% QoQ
|
-8.6% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
0.8%
-6.0% YoY-27.2% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
65.8%
+1.1% YoY-2.7% QoQ
|
+7.3% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$25,697
+8.8% YoY+4.2% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Top 7.6% in tier |
| CD Concentration |
28.4%
+21.4% YoY+5.6% QoQ
|
+4.1% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-65.7% YoY-17.1% QoQ
|
-13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)