BlastPoint's Credit Union Scorecard

FORTRESS

Charter #7392 · IN

2556 CUs in <100M nationally 82 in IN

FORTRESS has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.26% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.7% YoY
- Indirect Auto Concentration (%): Bottom 0.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	1,915 -2.7% YoY+0.6% QoQ	-700	2,615 -1.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	50%
Assets	$21.1M +3.1% YoY+0.6% QoQ	$-9.1M	$30.1M +2.1% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	49%
Loans	$11.7M -9.6% YoY-2.9% QoQ	$-4.0M	$15.8M -1.3% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	55%
Deposits	$17.1M +2.7% YoY+0.4% QoQ	$-8.5M	$25.7M +1.4% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -12.1% YoY+12.3% QoQ	+0.3%	0.6% +10.8% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	60%
NIM	3.9% +1.5% YoY-0.2% QoQ	-0.0%	4.0% +4.0% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	52%
Efficiency Ratio	76.3% +2.3% YoY-1.3% QoQ	-6.3%	82.6% -2.3% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	41%
Delinquency Rate	0.0% -98.6% YoY-93.1% QoQ	-1.5	1.6% -3.1% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	Bottom 14.7% in tier
Loan To Share	68.5% -12.0% YoY-3.3% QoQ	+7.9%	60.6% -3.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	62%
AMR	$15,082 -0.0% YoY-1.5% QoQ	+$299	$14,783 -1.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	57%
CD Concentration	35.5% +7.6% YoY+0.2% QoQ	+11.0%	24.4%	19.3%	19.8%	50%
Indirect Auto %	62.4% +4.1% YoY+0.4% QoQ	+48.6%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (1 metrics)

376

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: -

#376 of 2556 Top 14.7% in <100M tier

Top Weaknesses (4 metrics)

2535

Indirect Auto Concentration (%)

balance_sheet

Value: 62.40%

Peer Median: -

#2535 of 2556 Bottom 0.9% in <100M tier

2262

Share Certificate Concentration (%)

balance_sheet

Value: 35.47%

Peer Median: -

#2262 of 2556 Bottom 11.5% in <100M tier

1989

Loan Growth Rate

growth

Value: -9.63%

Peer Median: -

#1989 of 2556 Bottom 22.2% in <100M tier

1933

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: -

#1933 of 2556 Bottom 24.4% in <100M tier