INDIANA MEMBERS

Charter #68259 | IN

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in IN

INDIANA MEMBERS has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.7% in tier
  • + Wallet Share Momentum: Top 5.0% in tier
  • + ROA 0.07% above tier average
  • + AMR Growth Rate: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 15.5% in tier
  • - Growth-at-Risk: Bottom 21.9% in tier
  • - Credit Quality Pressure: Bottom 24.3% in tier
  • - Membership Headwinds: Bottom 29.7% in tier
  • - Loan-to-Share Ratio: Bottom 5.3% in tier
  • - Total Loans: Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 163,665
-0.8% YoY+0.3% QoQ
 -74.8K 238,465
+0.6% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 Bottom 11.8% in tier
Assets $3.4B
+4.5% YoY-0.2% QoQ
 $-540.3M $4.0B
-0.1% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 22.4% in tier
Loans $2.1B
+8.1% YoY+2.7% QoQ
 $-944.0M $3.0B
+3.3% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 Bottom 3.9% in tier
Deposits $3.1B
+8.7% YoY-0.8% QoQ
 $-263.0M $3.3B
+1.1% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 30th in tier
ROA 0.8%
-2.9% YoY-1.2% QoQ
 +0.1% 0.7%
+5.3% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 2.8%
+7.7% YoY+2.0% QoQ
 -0.4% 3.2%
+13.7% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 70.9%
-0.1% YoY+1.4% QoQ
 -0.4% 71.3%
-0.6% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 53rd in tier
Delinquency Rate 0.4%
+6.9% YoY+31.9% QoQ
 -0.4 0.8%
+15.9% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Bottom 21.1% in tier
Loan To Share 67.6%
-0.6% YoY+3.6% QoQ
 -23.3% 90.8%
+2.0% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 Bottom 3.9% in tier
AMR $31,437
+9.4% YoY+0.3% QoQ
 +$2K $29,088
+0.1% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 24.9%
+4.7% YoY+9.5% QoQ
 -4.1% 29.0%
+0.8% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 32nd in tier
Indirect Auto % 1.2%
-58.8% YoY-13.6% QoQ
 -17.6% 18.8%
-2.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 Bottom 17.9% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#13 of 264 • Top 1.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.36%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.5K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#37 of 264 • Top 5.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.36%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (4)

Stagnation Risk

risk
#38 of 85 • Bottom 15.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.81%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.83%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $31.4K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 24.88%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Growth-at-Risk

risk
#123 of 161 • Bottom 21.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.07%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#187 of 217 • Bottom 24.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Membership Headwinds

decline
#72 of 85 • Bottom 29.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.83%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

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)

Comparing against 76 peers in tier

Top Strengths (4 metrics)

5
AMR Growth Rate
growth
Value: 9.36%
Peer Avg: 2.07%
#5 of 76 Top 5.3% in 3B-5B tier
9
Indirect Auto Concentration (%)
balance_sheet
Value: 1.24%
Peer Avg: 20.57%
#9 of 76 Top 10.5% in 3B-5B tier
17
Total Delinquency Rate (60+ days)
risk
Value: 0.40%
Peer Avg: 0.84%
#17 of 76 Top 21.1% in 3B-5B tier
19
Share Certificate Concentration (%)
balance_sheet
Value: 24.88%
Peer Avg: 30.70%
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (5 metrics)

73
Loan-to-Share Ratio
balance_sheet
Value: 67.59%
Peer Avg: 90.85%
#73 of 76 Bottom 5.3% in 3B-5B tier
73
Total Loans
balance_sheet
Value: $2.07B
Peer Avg: $3.02B
#73 of 76 Bottom 5.3% in 3B-5B tier
69
Member Growth Rate
growth
Value: -0.83%
Peer Avg: 7.02%
#69 of 76 Bottom 10.5% in 3B-5B tier
67
Total Members
engagement
Value: 163,665
Peer Avg: 238,466
#67 of 76 Bottom 13.2% in 3B-5B tier
59
Total Assets
balance_sheet
Value: $3.43B
Peer Avg: $3.97B
#59 of 76 Bottom 23.7% in 3B-5B tier