BlastPoint's Credit Union Scorecard
ENCOMPASS
Charter #8548 · IN
ENCOMPASS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.49% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.18% below tier average
- - Delinquency rate 0.42% above tier average
- - Member decline: -6.4% YoY
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Member Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,200
-6.4% YoY-1.4% QoQ
|
+1.1K |
15,145
-2.5% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$265.3M
-1.9% YoY+0.5% QoQ
|
+$33.6M |
$231.7M
+0.8% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$205.9M
-6.1% YoY-2.8% QoQ
|
+$61.7M |
$144.1M
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$242.0M
+2.7% YoY+3.0% QoQ
|
+$40.9M |
$201.1M
+0.4% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.5%
-267.2% YoY-22.6% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
4.1%
+9.2% YoY+1.8% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
74.7%
-8.2% YoY+9.7% QoQ
|
-3.4% |
78.0%
-1.7% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
1.2%
-8.1% YoY-14.3% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
85.1%
-8.5% YoY-5.6% QoQ
|
+14.6% |
70.4%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$27,647
+5.2% YoY+1.7% QoQ
|
+$3K |
$24,918
+2.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
73% |
| CD Concentration |
35.9%
-3.1% YoY-2.3% QoQ
|
+11.6% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % |
13.2%
-17.6% YoY-4.8% QoQ
|
-0.6% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)