BlastPoint's Credit Union Scorecard
MARTIN COUNTY COOPERATIVE
Charter #67762 · IN
MARTIN COUNTY COOPERATIVE has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.64% above tier average
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Efficiency Ratio: Top 3.5% in tier
- + Loan-to-Share Ratio: Top 4.1% in tier
- + Asset Growth Rate: Top 7.6% in tier
- + Loan Growth Rate: Top 8.9% in tier
- + Deposit Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.2% in tier
- - Share Certificate Concentration (%): Bottom 1.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,206
+1.5% YoY+0.6% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$24.6M
+9.8% YoY-1.5% QoQ
|
$-5.6M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$20.0M
+11.0% YoY+1.2% QoQ
|
+$4.7M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$20.6M
+9.6% YoY-2.3% QoQ
|
$-5.2M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
1.8%
-24.2% YoY+7.8% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 9.3% in tier |
| NIM |
3.4%
-12.9% YoY+2.2% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
46.5%
+12.9% YoY-5.1% QoQ
|
-44.1% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Top 3.5% in tier |
| Delinquency Rate |
1.4%
+1.3% YoY-29.5% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
96.8%
+1.3% YoY+3.5% QoQ
|
+38.3% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Top 4.3% in tier |
| AMR |
$33,652
+8.6% YoY-1.2% QoQ
|
+$19K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Top 2.5% in tier |
| CD Concentration |
61.6%
+6.0% YoY-0.5% QoQ
|
+37.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 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)