BlastPoint's Credit Union Scorecard
HOBART IND SCHOOL EMPLOYEES
Charter #8255 · IN
HOBART IND SCHOOL EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 61.60% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 2761.40% above tier (higher cost structure)
- - Delinquency rate 38.67% above tier average
- - Member decline: -18.1% YoY
- - Net Worth Ratio: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 1.7% in tier
- - Member Growth Rate: Bottom 2.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -16.9% year over year ($1.7M in shares and deposits).
- Membership: 312 members, -18.1% vs a year ago.
- Delinquency rate 40.21%.
- Return on assets 63.09%.
- Efficiency ratio 2850.17% vs a 88.77% peer average.
- Loan-to-share ratio 54.26% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
312
-18.1% YoY-23.0% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Bottom 8.2% in tier |
| Assets |
$1.3M
-42.9% YoY-46.1% QoQ
|
$-29.0M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.5% in tier |
| Loans |
$921,463
-29.3% YoY-36.1% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.0% in tier |
| Deposits |
$1.7M
-16.9% YoY-18.7% QoQ
|
$-24.1M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.3% in tier |
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| ROA |
63.1%
-1612.4% YoY+44835.5% QoQ
|
+61.6% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 0.2% in tier |
| NIM |
1.5%
+0.8% YoY+4.8% QoQ
|
-2.4% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio |
2850.2%
+2987.3% YoY+3067.4% QoQ
|
+2761.4% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate |
40.2%
+286.9% YoY+3704.0% QoQ
|
+38.7 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.5% in tier |
| Loan To Share |
54.3%
-14.9% YoY-21.4% QoQ
|
-4.6% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$8,397
-4.5% YoY-3.7% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
24.2%
-6.3% YoY-17.4% QoQ
|
-0.4% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 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)