BlastPoint's Credit Union Scorecard
TECH
Charter #68225 · IN
TECH has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 78.5% in tier
- + Organic Growth Leader: Top 94.3% in tier
- + Organic Growth Engine: Top 99.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 28.1% in tier
- - Credit Risk Growth: Bottom 49.9% in tier
- - Credit Quality Pressure: Bottom 55.3% in tier
- - Indirect Auto Dependency: Bottom 69.9% in tier
- - Liquidity Strain: Bottom 79.7% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 11.04% above tier (higher cost structure)
- - Delinquency rate 0.69% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,027
+0.6% YoY-0.1% QoQ
|
-548 |
38,575
-4.8% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$583.1M
+7.9% YoY+3.0% QoQ
|
$-38.6M |
$621.7M
+0.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$481.6M
+6.2% YoY+1.7% QoQ
|
+$51.8M |
$429.8M
-1.8% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$527.3M
+7.5% YoY+2.4% QoQ
|
$-11.5M |
$538.7M
+0.6% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
0.3%
-298.6% YoY+6.8% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
3.4%
+13.6% YoY+0.6% QoQ
|
-0.0% |
3.4%
+8.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
88.6%
-12.2% YoY-0.7% QoQ
|
+11.0% |
77.5%
-4.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
1.5%
+13.3% YoY-18.2% QoQ
|
+0.7 |
0.8%
-1.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 13.9% in tier |
| Loan To Share |
91.3%
-1.2% YoY-0.7% QoQ
|
+11.5% |
79.8%
-2.3% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$26,531
+6.2% YoY+2.2% QoQ
|
$-318 |
$26,849
+2.7% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
27.7%
-3.4% YoY+3.1% QoQ
|
+3.3% | 24.4% | 19.3% | 19.8% | 62% |
| Indirect Auto % |
16.3%
-15.5% YoY-4.4% QoQ
|
+2.5% | 13.8% | 10.7% | 7.8% | 65% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)