BlastPoint's Credit Union Scorecard
CRANE
Charter #68672 · IN
CRANE has 4 strengths but faces 5 concerns
How does the industry compare?
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.7% in tier
- + ROA 0.75% above tier average
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.2% in tier
- - Credit Risk Growth: Bottom 46.3% in tier
- - Stagnation Risk: Bottom 78.2% in tier
- - Membership Headwinds: Bottom 78.2% in tier
- - Delinquency rate 0.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,762
-0.8% YoY-0.1% QoQ
|
-28.3K |
96,048
-2.7% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$1.2B
+8.2% YoY+3.2% QoQ
|
$-532.7M |
$1.7B
+0.4% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$827.8M
+6.4% YoY+0.8% QoQ
|
$-385.9M |
$1.2B
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$987.8M
+7.9% YoY+3.2% QoQ
|
$-477.8M |
$1.5B
+0.5% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA |
1.5%
+25.3% YoY+22.9% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 6.5% in tier |
| NIM |
3.7%
+6.0% YoY+4.6% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
60.5%
-14.2% YoY-8.2% QoQ
|
-14.1% |
74.6%
-3.0% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
1.1%
+175.1% YoY-12.6% QoQ
|
+0.4 |
0.8%
+6.9% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.7% in tier |
| Loan To Share |
83.8%
-1.3% YoY-2.3% QoQ
|
+0.6% |
83.2%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$26,794
+8.1% YoY+2.1% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
31.3%
+7.0% YoY-2.4% QoQ
|
+2.5% | 28.8% | 18.9% | 19.8% | 63% |
| Indirect Auto % |
12.3%
-26.6% YoY-7.5% QoQ
|
-5.7% | 18.1% | 10.4% | 7.7% | 43% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)