BlastPoint's Credit Union Scorecard
FORUM
Charter #68248 · IN
FORUM has 5 strengths but faces 3 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
- + ROA 0.39% above tier average
- + Net Interest Margin 0.66% above tier average
- + Total Members: Top 6.7% in tier
- + First Mortgage Concentration (%): Top 8.0% in tier
- + Total Loans: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.4% in tier
- - Indirect Auto Dependency: Bottom 70.2% in tier
- - Indirect Auto Concentration (%): Bottom 4.0% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Indiana.
- Shares and deposits +3.6% year over year ($1.94B in shares and deposits).
- Membership: 166,087 members, +1.3% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 1.21%.
- Efficiency ratio 67.23% vs a 73.02% peer average.
- Loan-to-share ratio 100.23% vs a 84.71% 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 |
166,087
+1.3% YoY+0.6% QoQ
|
+69.2K |
96,861
-1.9% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 7.0% in tier |
| Assets |
$2.3B
+3.0% YoY-0.9% QoQ
|
+$590.4M |
$1.7B
+0.4% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$1.9B
+4.1% YoY+2.2% QoQ
|
+$707.4M |
$1.2B
+0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 10.0% in tier |
| Deposits |
$1.9B
+3.6% YoY-1.1% QoQ
|
+$473.8M |
$1.5B
+0.5% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
1.2%
+6.5% YoY-3.8% QoQ
|
+0.4% |
0.8%
+27.6% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
4.1%
+5.4% YoY+3.0% QoQ
|
+0.7% |
3.4%
+6.6% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 11.0% in tier |
| Efficiency Ratio |
67.2%
+1.0% YoY+0.7% QoQ
|
-5.8% |
73.0%
-2.7% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.3%
-20.8% YoY-5.7% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Top 11.7% in tier |
| Loan To Share |
100.2%
+0.5% YoY+3.3% QoQ
|
+15.5% |
84.7%
+0.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 12.3% in tier |
| AMR |
$23,354
+2.5% YoY-0.1% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
35.3%
-0.0% YoY+0.6% QoQ
|
+6.2% | 29.1% | 19.4% | 20.0% | 77% |
| Indirect Auto % |
51.7%
-1.5% YoY+0.4% QoQ
|
+33.6% | 18.1% | 11.1% | 7.7% | Bottom 3.5% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
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)