BlastPoint's Credit Union Scorecard
ENERGY PLUS
Charter #65458 · IN
ENERGY PLUS has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 4.48% above tier (higher cost structure)
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,881
-2.1% YoY-0.2% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$44.0M
-1.4% YoY-2.1% QoQ
|
+$13.8M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$32.0M
+1.3% YoY+0.2% QoQ
|
+$16.2M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$36.7M
-2.3% YoY-2.3% QoQ
|
+$11.0M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.6%
-28.0% YoY-33.2% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
4.7%
+4.1% YoY-0.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
87.0%
+4.1% YoY+5.3% QoQ
|
+4.5% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.3%
-15.6% YoY-11.8% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
87.2%
+3.7% YoY+2.6% QoQ
|
+26.6% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 13.0% in tier |
| AMR |
$17,684
+1.5% YoY-1.0% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
31.3%
+11.2% YoY+4.0% QoQ
|
+6.8% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
2.1%
-10.9% QoQ
|
-11.7% | 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)