BlastPoint's Credit Union Scorecard
VIA CREDIT UNION
Charter #68572 · IN
VIA CREDIT UNION has 2 strengths but faces 3 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
- + ROA 0.56% above tier average
- + Efficiency Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 40.0% in tier
- - Credit Quality Pressure: Bottom 56.8% in tier
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,318
-0.2% YoY-0.5% QoQ
|
-1.3K |
38,575
-4.8% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$582.3M
+0.9% YoY+1.0% QoQ
|
$-39.4M |
$621.7M
+0.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$436.0M
-0.0% YoY-0.2% QoQ
|
+$6.1M |
$429.8M
-1.8% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$501.8M
-0.5% YoY+0.9% QoQ
|
$-36.9M |
$538.7M
+0.6% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
1.2%
+19.0% YoY+3.8% QoQ
|
+0.6% |
0.7%
+42.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 12.1% in tier |
| NIM |
3.3%
+12.5% YoY+1.2% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
60.6%
-4.9% YoY-1.7% QoQ
|
-16.9% |
77.5%
-4.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.6%
+38.0% YoY-4.8% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
86.9%
+0.4% YoY-1.1% QoQ
|
+7.0% |
79.8%
-2.3% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$25,128
-0.0% YoY+0.8% QoQ
|
$-2K |
$26,849
+2.7% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
26.6%
+2.2% YoY-0.3% QoQ
|
+2.1% | 24.4% | 19.3% | 19.8% | 58% |
| Indirect Auto % |
49.1%
-4.5% YoY-2.0% QoQ
|
+35.3% | 13.8% | 10.7% | 7.8% | Top 3.5% 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.
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)