BlastPoint's Credit Union Scorecard
WESTERN INDIANA CREDIT UNION
Charter #82789 · IN
WESTERN INDIANA CREDIT UNION has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
- + Average Member Relationship (AMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): 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 |
3,052
+1.0% YoY+0.5% QoQ
|
+436 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$50.5M
+6.5% YoY+1.3% QoQ
|
+$20.3M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$30.9M
-2.8% YoY-3.5% QoQ
|
+$15.1M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$44.1M
+6.4% YoY+1.1% QoQ
|
+$18.4M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.7%
-3.4% YoY+0.9% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.2%
-7.3% YoY-0.7% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
79.1%
-1.1% YoY+0.0% QoQ
|
-3.4% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.1%
-9.1% YoY+36.8% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
70.1%
-8.6% YoY-4.6% QoQ
|
+9.5% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$24,571
+1.3% YoY-1.4% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 8.9% in tier |
| CD Concentration |
48.4%
-2.0% YoY-2.9% QoQ
|
+24.0% | 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)