BlastPoint's Credit Union Scorecard

INDIANA MEMBERS

Charter #68259 · IN

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 2 in IN

View Mid-Market leaderboard →

INDIANA MEMBERS has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 61.3% in tier
+ Organic Growth Leader: Top 61.3% in tier
+ ROA 0.23% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 18.9% in tier
- Credit Quality Pressure: Bottom 30.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	165,204 +1.2% YoY+0.6% QoQ	-55.2K	220,435 -7.6% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	18%
Assets	$3.5B +3.7% YoY+0.3% QoQ	$-376.9M	$3.9B -1.5% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	32%
Loans	$2.2B +11.0% YoY+1.6% QoQ	$-728.9M	$2.9B -1.1% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	Bottom 10.3% in tier
Deposits	$3.1B +2.2% YoY+2.3% QoQ	$-155.2M	$3.3B -2.5% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	38%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +17.1% YoY+11.5% QoQ	+0.2%	0.7% +10.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	64%
NIM	3.0% +8.6% YoY+6.3% QoQ	-0.2%	3.2% +4.6% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	69.4% -3.0% YoY-1.1% QoQ	-1.8%	71.3% -2.6% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	0.4% +34.7% YoY+1.8% QoQ	-0.3	0.7% +9.2% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	35%
Loan To Share	68.9% +8.6% YoY-0.7% QoQ	-19.1%	88.0% +0.9% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	Bottom 9.0% in tier
AMR	$32,123 +4.4% YoY+1.4% QoQ	+$1K	$30,672 +5.5% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	68%
CD Concentration	22.2% -0.4% YoY-7.7% QoQ	-6.6%	28.8%	18.9%	19.8%	22%
Indirect Auto %	0.9% -45.6% YoY-13.3% QoQ	-17.2%	18.1%	10.4%	7.7%	18%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#66 of 115 • Top 61.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.20%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.91%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#102 of 116 • Top 61.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.20%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.91%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#52 of 183 • Bottom 18.9% in tier

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

Why This Signature

Loan Growth (YoY): 11.04%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#117 of 225 • Bottom 30.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

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)

Compare against:

Comparing against 78 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.91%

Peer Median: 18.10%

#10 of 78 Top 11.5% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.23%

Peer Median: 31.76%

#14 of 78 Top 16.7% in 3B-5B tier

Loan Growth Rate

growth

Value: 11.04%

Peer Median: 5.73%

#16 of 78 Top 19.2% in 3B-5B tier

Top Weaknesses (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 68.86%

Peer Median: 90.65%

#71 of 78 Bottom 10.3% in 3B-5B tier

Total Loans

balance_sheet

Value: $2.16B

Peer Median: $2.92B

#70 of 78 Bottom 11.5% in 3B-5B tier

Total Members

engagement

Value: 165,204

Peer Median: 212,824

#64 of 78 Bottom 19.2% in 3B-5B tier