BlastPoint's Credit Union Scorecard

ENCOMPASS

Charter #8548 · IN

1077 CUs in 100M-500M nationally 19 in IN

ENCOMPASS has 4 strengths but faces 9 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

+ Organic Growth Leader: Top 24.2% in tier
+ Organic Growth Engine: Top 26.8% in tier
+ Net Interest Margin 0.43% above tier average
+ Fee Income Per Member: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.6% in tier
- Shrinking Wallet Share: Bottom 19.2% in tier
- Liquidity Strain: Bottom 30.4% in tier
- Flatlined Growth: Bottom 38.8% in tier
- ROA 0.02% below tier average
- Delinquency rate 1.23% above tier average
- Net Charge-Off Rate: Bottom 3.5% in tier
- Net Worth Ratio: Bottom 5.4% in tier
- Total Delinquency Rate (60+ days): Bottom 5.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	17,440 +1.4% YoY+0.2% QoQ	+1.8K	15,628 -3.4% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	66%
Assets	$265.2M -1.0% YoY+0.5% QoQ	+$33.9M	$231.3M -0.0% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	67%
Loans	$218.1M -2.0% YoY-0.2% QoQ	+$70.3M	$147.8M -1.4% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	79%
Deposits	$236.6M +2.0% YoY+0.4% QoQ	+$36.3M	$200.3M -0.0% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -474.7% YoY-14.2% QoQ	-0.0%	0.8% +15.5% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	50%
NIM	4.0% +15.3% YoY+3.3% QoQ	+0.4%	3.6% +6.9% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	74%
Efficiency Ratio	67.9% -17.0% YoY+2.8% QoQ	-9.4%	77.3% -3.0% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	21%
Delinquency Rate	2.1% +38.9% YoY+30.5% QoQ	+1.2	0.9% +7.6% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	Top 5.8% in tier
Loan To Share	92.2% -3.9% YoY-0.5% QoQ	+19.5%	72.7% -1.5% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	Top 11.4% in tier
AMR	$26,068 -1.3% YoY-0.0% QoQ	+$2K	$24,363 +2.9% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	70%
CD Concentration	37.1% -2.9% YoY-0.2% QoQ	+12.7%	24.4% +4.2% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	14.4% -16.8% YoY-6.3% QoQ	+0.4%	14.0% -5.7% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#320 of 430 • Top 24.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.37%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 14.36%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#491 of 603 • Top 26.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.37%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.77%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 14.36%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#114 of 736 • Bottom 4.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.58% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#192 of 244 • Bottom 19.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.32%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Strain

risk

#236 of 258 • Bottom 30.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.17%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -1.98%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Flatlined Growth

risk

#41 of 58 • Bottom 38.8% 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): -0.98%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.77%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (5 metrics)

108

Fee Income Per Member

profitability

Value: $266.96

Peer Avg: -

#108 of 1077 Top 9.9% in 100M-500M tier

123

Loan-to-Share Ratio

balance_sheet

Value: 92.17%

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

221

Loan-to-Member Ratio (LMR)

engagement

Value: $12,503

Peer Avg: -

#221 of 1077 Top 20.4% in 100M-500M tier

223

Total Loans

balance_sheet

Value: $218.05M

Peer Avg: -

#223 of 1077 Top 20.6% in 100M-500M tier

228

Efficiency Ratio

profitability

Value: 67.86%

Peer Avg: -

#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1040

Net Charge-Off Rate

risk

Value: 1.54%

Peer Avg: -

#1040 of 1077 Bottom 3.5% in 100M-500M tier

1020

Net Worth Ratio

risk

Value: 8.22%

Peer Avg: -

#1020 of 1077 Bottom 5.4% in 100M-500M tier

1015

Total Delinquency Rate (60+ days)

risk

Value: 2.09%

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

956

Share Certificate Concentration (%)

balance_sheet

Value: 37.10%

Peer Avg: -

#956 of 1077 Bottom 11.3% in 100M-500M tier

928

Asset Growth Rate

growth

Value: -0.98%

Peer Avg: -

#928 of 1077 Bottom 13.9% in 100M-500M tier

922

AMR Growth Rate

growth

Value: -1.32%

Peer Avg: -

#922 of 1077 Bottom 14.5% in 100M-500M tier