BlastPoint's Credit Union Scorecard
KEMBA INDIANAPOLIS
Charter #82793 · IN
KEMBA INDIANAPOLIS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 0.07% above tier average
- + Fee Income Per Member: Top 4.0% in tier
- + Total Assets: Top 7.0% in tier
- + Total Deposits: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,008
-3.7% YoY-1.0% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 13.7% in tier |
| Assets |
$81.6M
+0.4% YoY+2.9% QoQ
|
+$51.5M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Top 7.0% in tier |
| Loans |
$28.6M
+4.7% YoY+1.2% QoQ
|
+$12.9M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$68.1M
-0.2% YoY+3.2% QoQ
|
+$42.4M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Top 7.8% in tier |
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| ROA |
0.7%
-21.2% YoY-7.0% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
4.0%
+4.5% YoY-0.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
78.2%
-0.3% YoY+1.6% QoQ
|
-4.3% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
1.1%
-17.6% YoY+60.6% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
42.1%
+4.9% YoY-1.9% QoQ
|
-18.5% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$19,310
+5.2% YoY+3.7% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
12.3%
+1.4% YoY-3.9% QoQ
|
-12.1% | 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)