BlastPoint's Credit Union Scorecard

ENCOMPASS

Charter #8548 · IN

1069 CUs in 100M-500M nationally 19 in IN

ENCOMPASS has 1 strength but faces 10 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.45% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 9.0% in tier
- Institutional Decline: Bottom 27.6% in tier
- Membership Headwinds: Bottom 27.8% in tier
- Flatlined Growth: Bottom 37.5% in tier
- Liquidity Strain: Bottom 100.0% in tier
- ROA 0.06% below tier average
- Delinquency rate 0.50% above tier average
- Member decline: -4.4% YoY
- Net Charge-Off Rate: Bottom 3.5% in tier
- Net Worth Ratio: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	16,435 -4.4% YoY-5.8% QoQ	+997	15,437 -2.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	64%
Assets	$263.9M -0.2% YoY-0.5% QoQ	+$32.0M	$231.9M +1.3% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	67%
Loans	$211.8M -4.5% YoY-2.9% QoQ	+$64.4M	$147.3M -0.1% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	79%
Deposits	$235.0M +1.6% YoY-0.7% QoQ	+$34.2M	$200.8M +0.8% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	68%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -386.2% YoY-8.4% QoQ	-0.1%	0.8% +18.2% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	45%
NIM	4.1% +13.0% YoY+1.0% QoQ	+0.4%	3.6% +6.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	75%
Efficiency Ratio	68.1% -15.4% YoY+0.3% QoQ	-8.9%	77.0% -3.1% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	1.4% -26.8% YoY-33.2% QoQ	+0.5	0.9% +4.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	83%
Loan To Share	90.1% -5.9% YoY-2.2% QoQ	+17.9%	72.2% -1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	Top 13.8% in tier
AMR	$27,187 +3.2% YoY+4.3% QoQ	+$3K	$24,676 +3.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	73%
CD Concentration	36.7% -2.5% YoY-1.1% QoQ	+12.3%	24.4%	19.3%	19.8%	50%
Indirect Auto %	13.9% -16.7% YoY-3.0% QoQ	+0.1%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#51 of 554 • Bottom 9.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.47%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.39%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#67 of 240 • Bottom 27.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $263.87M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -4.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.47%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline

#155 of 554 • Bottom 27.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Flatlined Growth

risk

#16 of 41 • Bottom 37.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.18%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.70%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Liquidity Strain

risk

#228 of 228 • Bottom 100.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.11%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -4.47%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

112

Fee Income Per Member

profitability

Value: $264.31

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

148

Loan-to-Share Ratio

balance_sheet

Value: 90.11%

Peer Median: -

#148 of 1069 Top 13.8% in 100M-500M tier

202

Loan-to-Member Ratio (LMR)

engagement

Value: $12,887

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

215

Efficiency Ratio

profitability

Value: 68.08%

Peer Median: -

#215 of 1069 Top 20.0% in 100M-500M tier

227

Total Loans

balance_sheet

Value: $211.79M

Peer Median: -

#227 of 1069 Top 21.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1033

Net Charge-Off Rate

risk

Value: 1.68%

Peer Median: -

#1033 of 1069 Bottom 3.5% in 100M-500M tier

992

Net Worth Ratio

risk

Value: 8.39%

Peer Median: -

#992 of 1069 Bottom 7.3% in 100M-500M tier

950

Share Certificate Concentration (%)

balance_sheet

Value: 36.70%

Peer Median: -

#950 of 1069 Bottom 11.2% in 100M-500M tier

941

Member Growth Rate

growth

Value: -4.44%

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier

928

Loan Growth Rate

growth

Value: -4.47%

Peer Median: -

#928 of 1069 Bottom 13.3% in 100M-500M tier

919

Asset Growth Rate

growth

Value: -0.18%

Peer Median: -

#919 of 1069 Bottom 14.1% in 100M-500M tier

893

Total Delinquency Rate (60+ days)

risk

Value: 1.39%

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier