BlastPoint's Credit Union Scorecard

INDIANHEAD

Charter #66434 · WI

100M-500M

1024 CUs in 100M-500M nationally 27 in WI

INDIANHEAD has 7 strengths but faces 7 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.71% above tier average
+ Net Interest Margin 0.59% above tier average
+ Share Certificate Concentration (%): Top 4.0% in tier
+ Loan Growth Rate: Top 9.6% in tier
+ Asset Growth Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Total Assets: Bottom 0.9% in tier
- Total Deposits: Bottom 0.9% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
Shares and deposits +8.5% year over year ($83.5M in shares and deposits).
Membership: 7,332 members, +2.0% vs a year ago.
Delinquency rate 0.78%.
Return on assets 1.57%.
Efficiency ratio 66.69% vs a 76.73% peer average.
Loan-to-share ratio 82.26% vs a 71.54% 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 (WI)	National Avg	Tier Percentile
Members	7,332 +2.0% YoY+0.8% QoQ	-7.8K	15,168 -2.6% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	Bottom 13.8% in tier
Assets	$101.2M +9.9% YoY+2.4% QoQ	$-130.8M	$232.0M +0.7% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	Bottom 0.8% in tier
Loans	$68.7M +13.3% YoY+2.9% QoQ	$-77.6M	$146.3M +0.2% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	16%
Deposits	$83.5M +8.5% YoY+2.4% QoQ	$-117.2M	$200.7M +0.2% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	Bottom 0.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% -17.0% YoY-6.9% QoQ	+0.7%	0.9% +12.5% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	Top 11.4% in tier
NIM	4.3% -5.1% YoY+0.9% QoQ	+0.6%	3.7% +4.5% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	83%
Efficiency Ratio	66.7% +8.6% YoY+2.9% QoQ	-10.0%	76.7% -0.8% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	19%
Delinquency Rate	0.8% +19.6% YoY+16.7% QoQ	-0.1	0.9% +6.6% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	56%
Loan To Share	82.3% +4.4% YoY+0.5% QoQ	+10.7%	71.5% -0.3% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	70%
AMR	$20,752 +8.4% YoY+1.8% QoQ	$-4K	$25,107 +3.2% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	36%
CD Concentration	3.5% -30.3% YoY-6.5% QoQ	-21.0%	24.6%	21.6%	20.0%	50%
Indirect Auto %	23.6% -3.1% YoY-0.4% QoQ	+10.0%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#187 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.39%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Emerging Performer

growth

#74 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.57%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.03%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#129 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 13.27%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#165 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.91%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 23.63%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.03%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | New qualifier

Margin Compression

decline

#55 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.57%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.89%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk

#445 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Cost Spiral

risk

#89 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.25% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 61.44%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (11 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 3.53%

Peer Median: 23.39%

#42 of 1024 Top 4.0% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.27%

Peer Median: 3.02%

#99 of 1024 Top 9.6% in 100M-500M tier

103

Asset Growth Rate

growth

Value: 9.91%

Peer Median: 4.12%

#103 of 1024 Top 10.0% in 100M-500M tier

117

Return on Assets (ROA)

profitability

Value: 1.57%

Peer Median: 0.75%

#117 of 1024 Top 11.3% in 100M-500M tier

129

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.34%

#129 of 1024 Top 12.5% in 100M-500M tier

143

Deposit Growth Rate

growth

Value: 8.49%

Peer Median: 3.58%

#143 of 1024 Top 13.9% in 100M-500M tier

144

AMR Growth Rate

growth

Value: 8.39%

Peer Median: 3.53%

#144 of 1024 Top 14.0% in 100M-500M tier

173

Net Interest Margin (NIM)

profitability

Value: 4.27%

Peer Median: 3.67%

#173 of 1024 Top 16.8% in 100M-500M tier

178

Net Worth Ratio

risk

Value: 14.98%

Peer Median: 11.71%

#178 of 1024 Top 17.3% in 100M-500M tier

196

Efficiency Ratio

profitability

Value: 66.69%

Peer Median: 77.26%

#196 of 1024 Top 19.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1016

Total Assets

balance_sheet

Value: $101.18M

Peer Median: $196.38M

#1016 of 1024 Bottom 0.9% in 100M-500M tier

1016

Total Deposits

balance_sheet

Value: $83.48M

Peer Median: $170.77M

#1016 of 1024 Bottom 0.9% in 100M-500M tier

883

Total Members

engagement

Value: 7,332

Peer Median: 13,128

#883 of 1024 Bottom 13.9% in 100M-500M tier

865

Total Loans

balance_sheet

Value: $68.67M

Peer Median: $124.04M

#865 of 1024 Bottom 15.6% in 100M-500M tier

863

Fee Income Per Member

profitability

Value: $100.50

Peer Median: $159.88

#863 of 1024 Bottom 15.8% in 100M-500M tier

793

Indirect Auto Concentration (%)

balance_sheet

Value: 23.63%

Peer Median: 6.15%

#793 of 1024 Bottom 22.7% in 100M-500M tier

774

First Mortgage Concentration (%)

balance_sheet

Value: 42.03%

Peer Median: 29.92%

#774 of 1024 Bottom 24.5% in 100M-500M tier