BlastPoint's Credit Union Scorecard

TECH

Charter #68225 · IN

Community 500M-750M

167 CUs in 500M-750M nationally 4 in IN

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TECH has 2 strengths but faces 8 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 29.5% in tier
+ Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.7% in tier
- Efficiency Drag: Bottom 21.2% in tier
- Credit Quality Pressure: Bottom 23.3% in tier
- Credit Risk Growth: Bottom 25.6% in tier
- Indirect Auto Dependency: Bottom 27.4% in tier
- ROA 0.36% below tier average
- Efficiency ratio 8.71% above tier (higher cost structure)
- Delinquency rate 0.56% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	38,366 +1.1% YoY+0.9% QoQ	+286	38,079 -4.8% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	56%
Assets	$599.1M +6.9% YoY+2.7% QoQ	$-20.6M	$619.7M -0.2% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	41%
Loans	$491.6M +7.8% YoY+2.1% QoQ	+$72.2M	$419.3M -1.4% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	78%
Deposits	$541.8M +6.3% YoY+2.8% QoQ	+$2.4M	$539.5M -0.1% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	49%

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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	0.3% +239.0% YoY-2.0% QoQ	-0.4%	0.7% +36.0% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	23%
NIM	3.5% +8.2% YoY+2.9% QoQ	+0.1%	3.5% +4.5% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	87.1% -8.7% YoY-1.6% QoQ	+8.7%	78.4% -3.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	1.3% +21.5% YoY-17.0% QoQ	+0.6	0.7% -0.9% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	Bottom 12.0% in tier
Loan To Share	90.7% +1.5% YoY-0.7% QoQ	+13.0%	77.7% -1.2% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	83%
AMR	$26,935 +5.8% YoY+1.5% QoQ	+$8	$26,927 +3.1% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	61%
CD Concentration	26.8% -3.8% YoY-3.2% QoQ	+2.5%	24.3%	18.9%	19.8%	61%
Indirect Auto %	16.2% -13.2% YoY-0.2% QoQ	+2.4%	13.8%	10.4%	7.7%	65%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#394 of 491 • Top 29.5% in tier

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

Why This Signature

AMR Growth (YoY): 5.85%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#185 of 596 • Bottom 21.2% in tier

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

Why This Signature

Efficiency Ratio: 87.10%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.23% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.11%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk

#152 of 476 • Bottom 25.6% in tier

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

Why This Signature

Loan Growth (YoY): 7.85%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#311 of 727 • Bottom 23.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#369 of 504 • Bottom 27.4% in tier

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

Why This Signature

Asset Growth (YoY): 6.89%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 16.25%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.11%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Strain

risk

#150 of 183 • Bottom 12.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.72%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.85%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 167 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 90.72%

Peer Median: 79.97%

#29 of 167 Top 16.8% in 500M-750M tier

Total Loans

balance_sheet

Value: $491.55M

Peer Median: $427.27M

#37 of 167 Top 21.6% in 500M-750M tier

Top Weaknesses (4 metrics)

148

Total Delinquency Rate (60+ days)

risk

Value: 1.27%

Peer Median: 0.62%

#148 of 167 Bottom 12.0% in 500M-750M tier

139

Members Per Employee (MPE)

engagement

Value: 254.079

Peer Median: 318.730

#139 of 167 Bottom 17.4% in 500M-750M tier

135

Efficiency Ratio

profitability

Value: 87.10%

Peer Median: 78.61%

#135 of 167 Bottom 19.8% in 500M-750M tier

128

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: 0.61%

#128 of 167 Bottom 24.0% in 500M-750M tier