BlastPoint's Credit Union Scorecard
HOBART IND SCHOOL EMPLOYEES
Charter #8255 · IN
HOBART IND SCHOOL EMPLOYEES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Delinquency rate 0.91% above tier average
- - Net Interest Margin (NIM): Bottom 3.1% in tier
- - Fee Income Per Member: Bottom 5.1% in tier
- - Net Charge-Off Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
403
0% YoY+5.8% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 11.2% in tier |
| Assets |
$2.2M
0% YoY-0.7% QoQ
|
$-27.7M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.7% in tier |
| Loans |
$1.4M
0% YoY+5.8% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.1% in tier |
| Deposits |
$1.9M
0% YoY-5.1% QoQ
|
$-23.5M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.7% in tier |
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| ROA |
0.5%
+1.5% YoY-112.7% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
1.9%
+1.5% YoY+29.9% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.1% in tier |
| Efficiency Ratio |
72.2%
0% YoY-21.8% QoQ
|
-9.2% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
2.4%
0% YoY-76.7% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
71.1%
0% YoY+11.4% QoQ
|
+9.8% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$8,237
0% YoY-6.3% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
25.2%
0% YoY-2.2% QoQ
|
+0.8% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)