BlastPoint's Credit Union Scorecard
FORUM
Charter #68248 · IN
FORUM has 7 strengths but faces 5 concerns
How does the industry compare?
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How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 26.5% in tier
- + Credit Quality Leader: Top 70.2% in tier
- + Profitability Leader: Top 74.5% in tier
- + ROA 0.41% above tier average
- + Net Interest Margin 0.68% above tier average
- + First Mortgage Concentration (%): Top 7.6% in tier
- + Total Members: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.1% in tier
- - Liquidity Strain: Bottom 17.9% in tier
- - Credit Quality Pressure: Bottom 21.7% in tier
- - Credit Risk Growth: Bottom 27.5% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
164,012
+0.8% YoY-0.0% QoQ
|
+65.3K |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 8.2% in tier |
| Assets |
$2.3B
+7.1% YoY+1.1% QoQ
|
+$550.8M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$1.9B
+2.0% YoY+0.2% QoQ
|
+$635.9M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 12.8% in tier |
| Deposits |
$1.9B
+8.9% YoY+0.7% QoQ
|
+$430.1M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
1.1%
+1.0% YoY-1.8% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
3.9%
+0.5% YoY+1.9% QoQ
|
+0.7% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
67.1%
+0.2% YoY+0.8% QoQ
|
-6.9% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.3%
+16.3% YoY-13.3% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
99.2%
-6.3% YoY-0.5% QoQ
|
+14.0% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$22,885
+4.4% YoY+0.5% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
37.0%
+16.6% YoY+4.8% QoQ
|
+8.1% |
29.0%
+0.7% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
83% |
| Indirect Auto % |
52.0%
-1.3% YoY-0.9% QoQ
|
+33.3% |
18.8%
-3.0% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
Top 3.2% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)