BlastPoint's Credit Union Scorecard
COMMUNITY SPIRIT CREDIT UNION
Charter #65493 · IN
COMMUNITY SPIRIT CREDIT UNION has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 6.09% above tier (higher cost structure)
- - Delinquency rate 2.15% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,070
-0.5% YoY+0.1% QoQ
|
-555 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$21.2M
+3.9% YoY+2.7% QoQ
|
$-8.6M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$10.9M
-7.8% YoY+0.3% QoQ
|
$-4.8M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$18.9M
+4.4% YoY+2.9% QoQ
|
$-6.5M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.3%
-248.6% YoY-307.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
2.9%
+6.9% YoY+2.2% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
87.5%
-8.3% YoY-7.4% QoQ
|
+6.1% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
3.7%
+54.8% YoY+39.3% QoQ
|
+2.1 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 9.3% in tier |
| Loan To Share |
57.8%
-11.7% YoY-2.5% QoQ
|
-3.4% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$14,420
+0.1% YoY+1.8% QoQ
|
$-207 |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
33.1%
+16.6% YoY+8.7% QoQ
|
+8.7% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)