BlastPoint's Credit Union Scorecard
CRANE
Charter #68672 · IN
CRANE has 3 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
- + Wallet Share Momentum: Top 30.3% in tier
- + ROA 0.51% above tier average
- + Net Interest Margin 0.24% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.6% in tier
- - Credit Risk Growth: Bottom 20.9% in tier
- - Delinquency rate 0.41% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,796
-0.4% YoY-0.5% QoQ
|
-29.6K |
97,431
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$1.2B
+10.3% YoY+1.7% QoQ
|
$-572.8M |
$1.7B
+0.9% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$821.3M
+5.6% YoY+1.1% QoQ
|
$-413.1M |
$1.2B
+0.5% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$957.2M
+12.1% YoY+1.7% QoQ
|
$-502.2M |
$1.5B
+0.9% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.2% in tier |
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| ROA |
1.2%
+2.5% YoY+5.9% QoQ
|
+0.5% |
0.7%
+20.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 12.6% in tier |
| NIM |
3.5%
+3.3% YoY+0.7% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
65.9%
-3.4% YoY-2.0% QoQ
|
-8.1% |
74.1%
-9.5% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
1.3%
+108.7% YoY+7.4% QoQ
|
+0.4 |
0.9%
+6.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
85.8%
-5.7% YoY-0.6% QoQ
|
+1.0% |
84.8%
-0.8% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$26,232
+9.5% YoY+1.9% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
32.1%
+17.1% YoY+2.2% QoQ
|
+3.0% | 29.0% | 19.3% | 19.8% | 66% |
| Indirect Auto % |
13.3%
-24.9% YoY-8.5% QoQ
|
-5.0% | 18.3% | 10.7% | 7.8% | 45% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)