BlastPoint's Credit Union Scorecard
FAMILY HORIZONS
Charter #64942 · IN
FAMILY HORIZONS has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 2.2% in tier
- + Total Deposits: Top 2.5% in tier
- + Total Loans: Top 2.6% in tier
- + Total Assets: Top 3.2% in tier
- + AMR Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 13.10% above tier (higher cost structure)
- - Member decline: -8.4% YoY
- - Indirect Auto Concentration (%): Bottom 2.4% in tier
- - Member Growth Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,137
-8.4% YoY-1.6% QoQ
|
+6.5K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 2.2% in tier |
| Assets |
$92.0M
-4.2% YoY+0.7% QoQ
|
+$61.8M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Top 3.2% in tier |
| Loans |
$58.0M
+5.1% YoY+32.1% QoQ
|
+$42.2M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 2.6% in tier |
| Deposits |
$81.0M
+1.5% YoY+1.1% QoQ
|
+$55.3M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Top 2.5% in tier |
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| ROA |
0.1%
-47.3% YoY-20.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.4%
-2.0% YoY-0.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
95.7%
+7.0% YoY+0.8% QoQ
|
+13.1% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.4%
-47.2% YoY-26.1% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
71.6%
+3.5% YoY+30.7% QoQ
|
+11.0% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$15,211
+12.5% YoY+13.9% QoQ
|
+$429 |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
16.5%
+8.8% YoY+3.6% QoQ
|
-7.9% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
42.3%
-41.8% YoY-33.2% QoQ
|
+28.5% | 13.8% | 10.7% | 7.8% | 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)