BlastPoint's Credit Union Scorecard
INDIANA UNIVERSITY
Charter #68577 · IN
INDIANA UNIVERSITY has 9 strengths but faces 1 concern
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How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 13.6% in tier
- + Organic Growth Engine: Top 21.3% in tier
- + Organic Growth Leader: Top 29.1% in tier
- + Wallet Share Momentum: Top 33.0% in tier
- + ROA 0.28% above tier average
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
- + Deposit Growth Rate: Top 5.6% in tier
- + Net Charge-Off Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 16.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,384
+1.5% YoY+0.4% QoQ
|
-27.3K |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$1.9B
+9.2% YoY+2.5% QoQ
|
+$221.3M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$1.5B
+7.5% YoY+1.5% QoQ
|
+$220.6M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$1.6B
+14.1% YoY+2.7% QoQ
|
+$192.8M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
1.0%
+15.8% YoY+0.1% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
2.6%
+10.0% YoY+1.1% QoQ
|
-0.6% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
65.6%
-7.5% YoY-1.7% QoQ
|
-8.4% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.7%
-6.8% YoY-0.6% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
88.3%
-5.8% YoY-1.2% QoQ
|
+3.1% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$43,438
+9.3% YoY+1.7% QoQ
|
+$14K |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 5.6% in tier |
| CD Concentration |
37.1%
+14.2% YoY+2.8% QoQ
|
+8.1% |
29.0%
+0.7% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
84% |
| Indirect Auto % |
18.0%
+12.8% YoY-0.4% QoQ
|
-0.8% |
18.8%
-3.0% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
53% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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 (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)