BlastPoint's Credit Union Scorecard
INDIANA MEMBERS
Charter #68259 · IN
INDIANA MEMBERS has 3 strengths but faces 2 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
- + Organic Growth Engine: Top 50.3% in tier
- + Organic Growth Leader: Top 50.3% in tier
- + ROA 0.18% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.8% in tier
- - Credit Risk Growth: Bottom 28.0% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Indiana.
- Shares and deposits +1.3% year over year ($3.14B in shares and deposits).
- Membership: 166,561 members, +2.1% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 1.12%.
- Efficiency ratio 66.58% vs a 69.45% peer average.
- Loan-to-share ratio 70.56% vs a 90.24% 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 |
166,561
+2.1% YoY+0.8% QoQ
|
-50.0K |
216,545
-9.5% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$3.6B
+4.8% YoY+1.7% QoQ
|
$-302.5M |
$3.9B
-1.6% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$2.2B
+9.5% YoY+2.2% QoQ
|
$-718.9M |
$2.9B
-1.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.1% in tier |
| Deposits |
$3.1B
+1.3% YoY-0.2% QoQ
|
$-121.8M |
$3.3B
-2.6% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
1.1%
+35.7% YoY+15.9% QoQ
|
+0.2% |
0.9%
+25.3% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.1%
+11.2% YoY+1.8% QoQ
|
-0.1% |
3.2%
+3.8% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
66.6%
-4.8% YoY-4.1% QoQ
|
-2.9% |
69.5%
-2.3% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.5%
+59.1% YoY+13.8% QoQ
|
-0.3 |
0.8%
+5.5% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
70.6%
+8.1% YoY+2.5% QoQ
|
-19.7% |
90.2%
+0.9% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.1% in tier |
| AMR |
$32,107
+2.4% YoY-0.1% QoQ
|
+$1K |
$31,018
+6.9% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
24.1%
+6.1% YoY+8.5% QoQ
|
-5.0% | 29.1% | 19.4% | 20.0% | 28% |
| Indirect Auto % |
0.8%
-46.2% YoY-15.5% QoQ
|
-17.3% | 18.1% | 11.1% | 7.7% | 17% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)