BlastPoint's Credit Union Scorecard

ENERGY PLUS

Charter #65458 · IN

<100M

2508 CUs in <100M nationally 80 in IN

ENERGY PLUS has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.60% above tier average

Key Concerns

Areas that may need attention

- ROA 0.21% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	3,840 -1.6% YoY-1.1% QoQ	+1.2K	2,676 +1.6% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	78%
Assets	$45.0M -0.6% YoY+2.2% QoQ	+$14.8M	$30.2M +1.3% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	73%
Loans	$31.0M -2.8% YoY-3.1% QoQ	+$15.7M	$15.3M -2.0% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	84%
Deposits	$37.7M -0.4% YoY+2.7% QoQ	+$11.9M	$25.8M +0.7% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	73%

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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	-0.1% -105.1% YoY-110.0% QoQ	-0.2%	0.1% -77.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	20%
NIM	4.6% -0.6% YoY-1.4% QoQ	+0.6%	4.0% +4.0% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	88.9% +11.0% YoY+2.2% QoQ	-1.7%	90.6% +6.5% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.4% +84.1% YoY+33.1% QoQ	-1.1	1.5% +3.8% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	38%
Loan To Share	82.3% -2.4% YoY-5.6% QoQ	+23.8%	58.5% -3.0% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	84%
AMR	$17,875 +0.1% YoY+1.1% QoQ	+$3K	$14,884 -1.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	69%
CD Concentration	24.8% +1.9% YoY-20.8% QoQ	+0.5%	24.3%	18.9%	19.8%	50%
Indirect Auto %	1.9% -9.5% QoQ	-11.9%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

400

Loan-to-Share Ratio

balance_sheet

Value: 82.30%

Peer Median: 58.72%

#400 of 2508 Top 15.9% in <100M tier

403

Total Loans

balance_sheet

Value: $30.99M

Peer Median: $9.48M

#403 of 2508 Top 16.0% in <100M tier

439

Loan-to-Member Ratio (LMR)

engagement

Value: $8,070

Peer Median: $4,923

#439 of 2508 Top 17.5% in <100M tier

508

Net Interest Margin (NIM)

profitability

Value: 4.61%

Peer Median: 3.83%

#508 of 2508 Top 20.2% in <100M tier

563

Total Members

engagement

Value: 3,840

Peer Median: 1,918

#563 of 2508 Top 22.4% in <100M tier

Top Weaknesses (3 metrics)

2191

Indirect Auto Concentration (%)

balance_sheet

Value: 1.93%

Peer Median: 0.00%

#2191 of 2508 Bottom 12.7% in <100M tier

2009

Return on Assets (ROA)

profitability

Value: -0.06%

Peer Median: 0.61%

#2009 of 2508 Bottom 19.9% in <100M tier

1987

Net Charge-Off Rate

risk

Value: 0.66%

Peer Median: 0.07%

#1987 of 2508 Bottom 20.8% in <100M tier