BlastPoint's Credit Union Scorecard
TECH
Charter #68225 · IN
TECH has 4 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 20.7% in tier
- + Net Interest Margin 0.10% above tier average
- + Loan-to-Share Ratio: Top 7.3% in tier
- + Loan Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.4% in tier
- - Efficiency Drag: Bottom 21.0% in tier
- - Indirect Auto Dependency: Bottom 24.4% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 9.02% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Indiana.
- Shares and deposits +6.7% year over year ($542M in shares and deposits).
- Membership: 39,002 members, +2.8% vs a year ago.
- Delinquency rate 1.45%.
- Return on assets 0.35%.
- Efficiency ratio 85.58% vs a 76.56% peer average.
- Loan-to-share ratio 97.41% vs a 79.33% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,002
+2.8% YoY+1.7% QoQ
|
+1.1K |
37,897
-5.0% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$599.0M
+7.1% YoY-0.0% QoQ
|
$-23.4M |
$622.4M
+0.6% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$528.0M
+14.1% YoY+7.4% QoQ
|
+$99.5M |
$428.5M
-0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$542.1M
+6.7% YoY+0.0% QoQ
|
+$2.3M |
$539.8M
+0.9% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
48% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+90.7% YoY+8.1% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
3.6%
+9.5% YoY+2.9% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
85.6%
-7.3% YoY-1.7% QoQ
|
+9.0% |
76.6%
-3.6% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
1.4%
-27.5% YoY+14.4% QoQ
|
+0.6 |
0.8%
+3.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
97.4%
+6.9% YoY+7.4% QoQ
|
+18.1% |
79.3%
-1.4% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 7.9% in tier |
| AMR |
$27,437
+7.3% YoY+1.9% QoQ
|
+$143 |
$27,294
+4.1% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
27.0%
-2.3% YoY+0.9% QoQ
|
+2.5% | 24.6% | 19.4% | 20.0% | 61% |
| Indirect Auto % |
17.4%
-3.1% YoY+7.0% QoQ
|
+3.8% | 13.6% | 11.1% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)