BlastPoint's Credit Union Scorecard
COMMUNITY SPIRIT CREDIT UNION
Charter #65493 · IN
COMMUNITY SPIRIT CREDIT UNION faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 0.56% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits +4.1% year over year ($19.1M in shares and deposits).
- Membership: 2,038 members, -1.4% vs a year ago.
- Delinquency rate 2.03%.
- Return on assets 0.40%.
- Efficiency ratio 89.32% vs a 88.77% peer average.
- Loan-to-share ratio 52.29% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,038
-1.4% YoY-0.5% QoQ
|
-547 |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$21.5M
+4.0% YoY-7.8% QoQ
|
$-8.8M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$10.0M
-8.2% YoY-4.4% QoQ
|
$-5.5M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$19.1M
+4.1% YoY-8.9% QoQ
|
$-6.7M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.4%
-397.1% YoY+161.2% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
3.1%
+8.1% YoY+6.4% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
89.3%
-5.5% YoY-5.3% QoQ
|
+0.6% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
2.0%
-22.5% YoY-25.4% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
52.3%
-11.8% YoY+4.9% QoQ
|
-6.6% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$14,295
+0.9% YoY-6.9% QoQ
|
$-668 |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
35.5%
+16.7% YoY+0.6% QoQ
|
+11.0% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 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)