BlastPoint's Credit Union Scorecard
FORUM
Charter #68248 · IN
FORUM has 4 strengths but faces 3 concerns
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How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 0.61% above tier average
- + Total Members: Top 6.5% in tier
- + First Mortgage Concentration (%): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.8% in tier
- - Indirect Auto Dependency: Bottom 63.4% in tier
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165,080
+0.5% YoY+0.3% QoQ
|
+69.0K |
96,048
-2.7% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Top 6.9% in tier |
| Assets |
$2.3B
+3.7% YoY+1.4% QoQ
|
+$615.1M |
$1.7B
+0.4% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$1.9B
+1.6% YoY+0.4% QoQ
|
+$686.4M |
$1.2B
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Top 11.4% in tier |
| Deposits |
$2.0B
+4.8% YoY+1.5% QoQ
|
+$492.7M |
$1.5B
+0.5% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
1.3%
+12.6% YoY+8.6% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 13.7% in tier |
| NIM |
4.0%
+2.9% YoY+0.4% QoQ
|
+0.6% |
3.4%
+6.2% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 12.7% in tier |
| Efficiency Ratio |
66.8%
+1.1% YoY+0.1% QoQ
|
-7.9% |
74.6%
-3.0% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.3%
-15.4% YoY-20.6% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
97.0%
-3.0% YoY-1.0% QoQ
|
+13.8% |
83.2%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$23,373
+2.6% YoY+0.6% QoQ
|
$-6K |
$29,652
+2.3% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
35.1%
+2.7% YoY-5.6% QoQ
|
+6.3% | 28.8% | 18.9% | 19.8% | 78% |
| Indirect Auto % |
51.5%
-2.1% YoY-0.3% QoQ
|
+33.4% | 18.1% | 10.4% | 7.7% | Bottom 3.4% 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)