BlastPoint's Credit Union Scorecard
WESTERN INDIANA CREDIT UNION
Charter #82789 · IN
WESTERN INDIANA CREDIT UNION has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,037
+1.6% YoY+0.6% QoQ
|
+411 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$49.8M
+14.7% YoY+4.5% QoQ
|
+$20.0M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
77% |
| Loans |
$32.0M
+4.0% YoY+2.3% QoQ
|
+$16.3M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$43.6M
+16.0% YoY+5.3% QoQ
|
+$18.2M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
0.7%
-33.3% YoY+14.4% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
3.2%
-14.6% YoY+0.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
79.1%
+6.0% YoY-1.2% QoQ
|
-2.3% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.1%
-86.7% YoY-86.1% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
73.4%
-10.4% YoY-2.8% QoQ
|
+12.2% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$24,910
+8.8% YoY+3.3% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 8.1% in tier |
| CD Concentration |
49.9%
+6.9% YoY-5.2% QoQ
|
+25.4% |
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)