BlastPoint's Credit Union Scorecard
INDIANA UNIVERSITY
Charter #68577 · IN
INDIANA UNIVERSITY has 6 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
- + Relationship Depth Leader: Top 11.8% in tier
- + Wallet Share Momentum: Top 11.8% in tier
- + ROA 0.29% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.9% in tier
- + Average Member Relationship (AMR): Top 4.9% in tier
- + Net Charge-Off Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.3% in tier
- - Credit Risk Growth: Bottom 31.1% in tier
- - Credit Quality Pressure: Bottom 36.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,703
+1.3% YoY+0.6% QoQ
|
-24.3K |
96,048
-2.7% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$2.1B
+10.6% YoY+4.3% QoQ
|
+$338.5M |
$1.7B
+0.4% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$1.5B
+8.6% YoY+1.9% QoQ
|
+$299.3M |
$1.2B
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$1.8B
+11.2% YoY+4.9% QoQ
|
+$289.3M |
$1.5B
+0.5% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
1.0%
+3.3% YoY+6.7% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
2.8%
+7.5% YoY+5.5% QoQ
|
-0.5% |
3.4%
+6.2% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
15% |
| Efficiency Ratio |
66.4%
-3.7% YoY+0.8% QoQ
|
-8.2% |
74.6%
-3.0% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
0.7%
+13.3% YoY-4.5% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
86.2%
-2.3% YoY-2.8% QoQ
|
+3.0% |
83.2%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$45,574
+8.6% YoY+2.9% QoQ
|
+$16K |
$29,652
+2.3% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Top 5.2% in tier |
| CD Concentration |
38.0%
+11.0% YoY-0.3% QoQ
|
+9.2% | 28.8% | 18.9% | 19.8% | Top 13.3% in tier |
| Indirect Auto % |
17.1%
-5.0% YoY-1.5% QoQ
|
-0.9% | 18.1% | 10.4% | 7.7% | 53% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)