BlastPoint's Credit Union Scorecard
FAMILY HORIZONS
Charter #64942 · IN
FAMILY HORIZONS has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 1.8% in tier
- + Total Deposits: Top 2.5% in tier
- + Total Assets: Top 3.2% in tier
- + Total Loans: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 13.51% above tier (higher cost structure)
- - Member decline: -13.3% YoY
- - Indirect Auto Concentration (%): Bottom 0.8% in tier
- - Member Growth Rate: Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,286
-13.3% YoY-2.3% QoQ
|
+6.7K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 1.9% in tier |
| Assets |
$91.4M
-3.3% YoY-0.9% QoQ
|
+$61.5M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 3.2% in tier |
| Loans |
$43.9M
-24.2% YoY-1.5% QoQ
|
+$28.1M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 8.1% in tier |
| Deposits |
$80.1M
+2.8% YoY-1.0% QoQ
|
+$54.7M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.6% in tier |
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| ROA |
0.1%
-39.9% YoY-28.1% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
3.5%
-1.2% YoY+1.4% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
94.9%
+4.1% YoY-0.1% QoQ
|
+13.5% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.5%
-9.9% YoY-15.6% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
54.8%
-26.3% YoY-0.5% QoQ
|
-6.5% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$13,354
+5.3% YoY+1.2% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
16.0%
+17.0% YoY-0.6% QoQ
|
-8.5% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
63.4%
-12.2% YoY-10.7% QoQ
|
+49.4% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)