BlastPoint's Credit Union Scorecard
FORUM
Charter #68248 · IN
FORUM has 5 strengths but faces 5 concerns
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How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 78.9% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.67% above tier average
- + Total Members: Top 6.6% in tier
- + First Mortgage Concentration (%): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.2% in tier
- - Liquidity Strain: Bottom 58.2% in tier
- - Credit Quality Pressure: Bottom 77.1% in tier
- - Credit Risk Growth: Bottom 93.2% in tier
- - Indirect Auto Concentration (%): Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
164,566
+0.8% YoY+0.3% QoQ
|
+67.1K |
97,431
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 7.0% in tier |
| Assets |
$2.3B
+6.0% YoY+1.5% QoQ
|
+$580.2M |
$1.7B
+0.9% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$1.9B
+2.4% YoY+1.2% QoQ
|
+$657.7M |
$1.2B
+0.5% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 12.6% in tier |
| Deposits |
$1.9B
+8.0% YoY+2.4% QoQ
|
+$470.7M |
$1.5B
+0.9% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
1.2%
-1.0% YoY+3.9% QoQ
|
+0.5% |
0.7%
+20.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 13.6% in tier |
| NIM |
3.9%
+1.7% YoY-0.0% QoQ
|
+0.7% |
3.3%
+9.2% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 12.3% in tier |
| Efficiency Ratio |
66.7%
-1.4% YoY-0.6% QoQ
|
-7.4% |
74.1%
-9.5% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.4%
+16.4% YoY+21.9% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
98.0%
-5.2% YoY-1.2% QoQ
|
+13.2% |
84.8%
-0.8% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$23,226
+4.3% YoY+1.5% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
37.2%
+9.9% YoY+0.5% QoQ
|
+8.2% | 29.0% | 19.3% | 19.8% | 82% |
| Indirect Auto % |
51.7%
-1.7% YoY-0.7% QoQ
|
+33.4% | 18.3% | 10.7% | 7.8% | Top 2.7% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)