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 0.49% below tier average
- - Efficiency ratio 8.51% above tier (higher cost structure)
- - Delinquency rate 1.02% above tier average
- - Share Certificate Concentration (%): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,061
-1.3% YoY-0.4% QoQ
|
-554 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$22.3M
+6.8% YoY+5.3% QoQ
|
$-7.8M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$10.7M
-6.8% YoY-2.0% QoQ
|
$-5.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$20.0M
+7.6% YoY+5.8% QoQ
|
$-5.7M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.1%
-229.2% YoY-51.3% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
2.9%
+6.7% YoY-2.1% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
91.1%
-2.5% YoY+4.1% QoQ
|
+8.5% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
2.6%
+91.7% YoY-29.5% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
53.5%
-13.4% YoY-7.4% QoQ
|
-7.1% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$14,912
+3.5% YoY+3.4% QoQ
|
+$129 |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
38.1%
+32.0% YoY+15.0% QoQ
|
+13.6% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)