BlastPoint's Credit Union Scorecard

ENCOMPASS

Charter #8548 · IN

100M-500M

1024 CUs in 100M-500M nationally 21 in IN

ENCOMPASS has 2 strengths but faces 8 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 0.74% above tier average
+ Loan-to-Share Ratio: Top 7.9% in tier

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
- Capital Constraint: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.18% below tier average
- Delinquency rate 0.72% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
Shares and deposits -8.0% year over year ($217M in shares and deposits).
Membership: 16,099 members, -7.5% vs a year ago.
Delinquency rate 1.60%.
Return on assets 0.68%.
Efficiency ratio 71.95% vs a 76.73% peer average.
Loan-to-share ratio 93.68% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	16,099 -7.5% YoY-0.6% QoQ	+930	15,168 -2.6% YoY	23,392 +5.7% YoY	34,678 +6.6% YoY	64%
Assets	$240.7M -8.8% YoY-9.3% QoQ	+$8.7M	$232.0M +0.7% YoY	$404.4M +8.2% YoY	$593.1M +10.2% YoY	61%
Loans	$203.1M -7.0% YoY-1.3% QoQ	+$56.9M	$146.3M +0.2% YoY	$288.6M +8.1% YoY	$418.6M +10.1% YoY	76%
Deposits	$216.9M -8.0% YoY-10.4% QoQ	+$16.1M	$200.7M +0.2% YoY	$337.5M +7.0% YoY	$504.8M +10.3% YoY	64%

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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	0.7% -24.1% YoY+24.7% QoQ	-0.2%	0.9% +12.5% YoY	1.6% +105.9% YoY	1.2% +121.4% YoY	43%
NIM	4.4% +14.0% YoY+7.3% QoQ	+0.7%	3.7% +4.5% YoY	3.9% +3.1% YoY	3.8% +2.3% YoY	Top 12.3% in tier
Efficiency Ratio	72.0% +9.0% YoY-3.6% QoQ	-4.8%	76.7% -0.8% YoY	105.3% +31.6% YoY	83.0% -5.3% YoY	32%
Delinquency Rate	1.6% -0.2% YoY+33.6% QoQ	+0.7	0.9% +6.6% YoY	1.6% +32.0% YoY	1.3% +2.6% YoY	Bottom 11.9% in tier
Loan To Share	93.7% +1.1% YoY+10.1% QoQ	+22.1%	71.5% -0.3% YoY	68.6% +0.4% YoY	66.4% -1.4% YoY	Top 8.0% in tier
AMR	$26,089 +0.0% YoY-5.6% QoQ	+$982	$25,107 +3.2% YoY	$18,349 +1.6% YoY	$20,028 -0.9% YoY	66%
CD Concentration	40.7% +9.4% YoY+13.3% QoQ	+16.1%	24.6%	19.4%	20.0%	50%
Indirect Auto %	12.5% -18.6% YoY-5.8% QoQ	-1.1%	13.6%	11.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#9 of 549 • Bottom 50.0% 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): -7.54%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.99%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.60%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#17 of 230 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $240.70M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -7.54%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.99%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#66 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -7.54%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Capital Constraint

risk

#6 of 19 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 93.68%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -7.99%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 9.36%

(Tier: 12.53%, National: 14.66%)

worse than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 CUs YoY | New qualifier

Cost Spiral

risk

#79 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.93% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 66.02%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Liquidity Strain

risk

#195 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.68%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -6.99%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 93.68%

Peer Median: 73.07%

#82 of 1024 Top 7.9% in 100M-500M tier

126

Net Interest Margin (NIM)

profitability

Value: 4.43%

Peer Median: 3.67%

#126 of 1024 Top 12.2% in 100M-500M tier

217

Loan-to-Member Ratio (LMR)

engagement

Value: $12,619

Peer Median: $9,434

#217 of 1024 Top 21.1% in 100M-500M tier

246

Total Loans

balance_sheet

Value: $203.15M

Peer Median: $124.04M

#246 of 1024 Top 23.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1016

Asset Growth Rate

growth

Value: -8.81%

Peer Median: 4.12%

#1016 of 1024 Bottom 0.9% in 100M-500M tier

1013

Deposit Growth Rate

growth

Value: -7.99%

Peer Median: 3.58%

#1013 of 1024 Bottom 1.2% in 100M-500M tier

976

Net Charge-Off Rate

risk

Value: 1.36%

Peer Median: 0.34%

#976 of 1024 Bottom 4.8% in 100M-500M tier

973

Member Growth Rate

growth

Value: -7.54%

Peer Median: -0.03%

#973 of 1024 Bottom 5.1% in 100M-500M tier

970

Loan Growth Rate

growth

Value: -6.99%

Peer Median: 3.02%

#970 of 1024 Bottom 5.4% in 100M-500M tier

947

Share Certificate Concentration (%)

balance_sheet

Value: 40.66%

Peer Median: 23.39%

#947 of 1024 Bottom 7.6% in 100M-500M tier

903

Total Delinquency Rate (60+ days)

risk

Value: 1.60%

Peer Median: 0.71%

#903 of 1024 Bottom 11.9% in 100M-500M tier

865

Net Worth Ratio

risk

Value: 9.36%

Peer Median: 11.71%

#865 of 1024 Bottom 15.6% in 100M-500M tier

813

AMR Growth Rate

growth

Value: 0.03%

Peer Median: 3.53%

#813 of 1024 Bottom 20.7% in 100M-500M tier