BlastPoint's Credit Union Scorecard
HOBART IND SCHOOL EMPLOYEES
Charter #8255 · IN
HOBART IND SCHOOL EMPLOYEES has 2 strengths but faces 4 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 0.37% below tier average
- - Efficiency ratio 1.84% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.1% in tier
- - Fee Income Per Member: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
403
0% YoY0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 11.1% in tier |
| Assets |
$2.2M
0% YoY+0.5% QoQ
|
$-27.9M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.3% in tier |
| Loans |
$1.4M
0% YoY-1.1% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.7% in tier |
| Deposits |
$2.0M
0% YoY+1.1% QoQ
|
$-23.7M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.3% in tier |
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| ROA |
0.3%
0% YoY-51.8% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
1.6%
0% YoY-14.0% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
84.4%
0% YoY+17.0% QoQ
|
+1.8% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.9%
0% YoY-64.2% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
69.5%
0% YoY-2.2% QoQ
|
+8.9% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$8,252
0% YoY+0.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
26.9%
0% YoY+6.6% QoQ
|
+2.5% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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)