BlastPoint's Credit Union Scorecard

TECH

Charter #68225 · IN

Community 500M-750M

169 CUs in 500M-750M nationally 5 in IN

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TECH has 1 strength but faces 11 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 73.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.9% in tier
- Credit Risk Growth: Bottom 8.4% in tier
- Efficiency Drag: Bottom 9.2% in tier
- Indirect Auto Dependency: Bottom 20.7% in tier
- Liquidity Strain: Bottom 25.5% in tier
- Stagnation Risk: Bottom 30.9% in tier
- Membership Headwinds: Bottom 33.1% in tier
- ROA 0.35% below tier average
- Efficiency ratio 11.05% above tier (higher cost structure)
- Delinquency rate 1.07% above tier average
- Total Delinquency Rate (60+ days): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	38,059 -0.5% YoY+0.3% QoQ	-1.7K	39,752 -2.7% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	50%
Assets	$566.0M +6.5% YoY+1.1% QoQ	$-56.4M	$622.4M +0.3% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	29%
Loans	$473.5M +4.1% YoY+2.3% QoQ	+$37.5M	$435.9M -0.4% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	66%
Deposits	$514.7M +7.0% YoY+1.3% QoQ	$-23.3M	$538.0M +1.3% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -229.1% YoY+68.6% QoQ	-0.3%	0.7% +33.9% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	28%
NIM	3.4% +12.3% YoY+2.7% QoQ	-0.0%	3.4% +8.6% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	46%
Efficiency Ratio	89.1% -13.0% YoY-3.4% QoQ	+11.1%	78.1% -3.4% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	Top 13.0% in tier
Delinquency Rate	1.9% +68.9% YoY-6.7% QoQ	+1.1	0.8% -4.9% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	Top 5.9% in tier
Loan To Share	92.0% -2.7% YoY+0.9% QoQ	+11.0%	81.0% -1.8% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	78%
AMR	$25,965 +6.1% YoY+1.5% QoQ	$-516	$26,482 +2.6% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	56%
CD Concentration	26.8% -2.1% YoY-3.1% QoQ	+2.4%	24.4% +4.2% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	59%
Indirect Auto %	17.0% -16.5% YoY-5.0% QoQ	+3.1%	14.0% -5.7% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	66%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#354 of 481 • Top 73.5% in tier

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

Why This Signature

AMR Growth (YoY): 6.14%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (7)

Credit Quality Pressure

risk

#73 of 736 • Bottom 2.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.76% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#127 of 446 • Bottom 8.4% in tier

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

Why This Signature

Loan Growth (YoY): 4.09%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.76% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk

#164 of 521 • Bottom 9.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.15%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.55% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -0.53%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#334 of 525 • Bottom 20.7% in tier

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

Why This Signature

Asset Growth (YoY): 6.53%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 17.04%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.53%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk

#198 of 258 • Bottom 25.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.99%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 4.09%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Stagnation Risk

risk

#509 of 550 • Bottom 30.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.53%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 4.09%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.87%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#546 of 550 • Bottom 33.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.53%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (2 metrics)

Net Charge-Off Rate

risk

Value: 0.16%

Peer Avg: -

#30 of 169 Top 17.2% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.99%

Peer Avg: -

#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (4 metrics)

160

Total Delinquency Rate (60+ days)

risk

Value: 1.87%

Peer Avg: -

#160 of 169 Bottom 5.9% in 500M-750M tier

148

Efficiency Ratio

profitability

Value: 89.15%

Peer Avg: -

#148 of 169 Bottom 13.0% in 500M-750M tier

145

Net Worth Ratio

risk

Value: 8.65%

Peer Avg: -

#145 of 169 Bottom 14.8% in 500M-750M tier

135

Members Per Employee (MPE)

engagement

Value: 258.905

Peer Avg: -

#135 of 169 Bottom 20.7% in 500M-750M tier