BlastPoint's Credit Union Scorecard

SOLIDARITY COMMUNITY

Charter #9923 · IN

100M-500M

1070 CUs in 100M-500M nationally 21 in IN

SOLIDARITY COMMUNITY faces 8 concerns requiring attention

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	23,763 -2.3% YoY-0.3% QoQ	+8.6K	15,145 -2.5% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	Top 13.8% in tier
Assets	$354.6M -0.2% YoY+1.9% QoQ	+$122.9M	$231.7M +0.8% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	82%
Loans	$181.6M -10.8% YoY-3.8% QoQ	+$37.5M	$144.1M +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	72%
Deposits	$314.4M +1.5% YoY+2.4% QoQ	+$113.2M	$201.1M +0.4% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	84%

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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	0.2% -57.8% YoY-80.2% QoQ	-0.5%	0.7% +5.1% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	16%
NIM	3.1% +6.9% YoY+0.3% QoQ	-0.6%	3.6% +4.6% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	90.8% +4.4% YoY+15.0% QoQ	+12.7%	78.0% -1.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	Bottom 13.7% in tier
Delinquency Rate	0.3% +11.1% YoY-63.8% QoQ	-0.5	0.8% +7.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	19%
Loan To Share	57.8% -12.1% YoY-6.1% QoQ	-12.7%	70.4% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	23%
AMR	$20,872 -1.1% YoY+0.3% QoQ	$-4K	$24,918 +2.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	38%
CD Concentration	24.0% +4.4% YoY-1.4% QoQ	-0.3%	24.3%	18.9%	19.8%	50%
Indirect Auto %	43.3% +1.2% YoY-2.4% QoQ	+29.5%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Institutional Decline

decline

#59 of 250 • 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: $354.62M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -10.80%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#180 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.75%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#207 of 570 • 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): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -10.80%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.26%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#188 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.19%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 43.31%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Membership Headwinds

decline

#320 of 570 • 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): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Accelerating Exit Risk

decline

#41 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -1.07%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Shrinking Wallet Share

decline

#200 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -1.07%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#646 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (7 metrics)

148

Total Members

engagement

Value: 23,763

Peer Median: 13,200

#148 of 1070 Top 13.7% in 100M-500M tier

175

Total Deposits

balance_sheet

Value: $314.37M

Peer Median: $171.29M

#175 of 1070 Top 16.3% in 100M-500M tier

188

Total Assets

balance_sheet

Value: $354.62M

Peer Median: $196.57M

#188 of 1070 Top 17.5% in 100M-500M tier

200

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: 0.61%

#200 of 1070 Top 18.6% in 100M-500M tier

241

First Mortgage Concentration (%)

balance_sheet

Value: 15.91%

Peer Median: 29.47%

#241 of 1070 Top 22.4% in 100M-500M tier

251

Fee Income Per Member

profitability

Value: $205.08

Peer Median: $154.95

#251 of 1070 Top 23.4% in 100M-500M tier

257

Members Per Employee (MPE)

engagement

Value: 383.274

Peer Median: 309.176

#257 of 1070 Top 23.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1051

Loan Growth Rate

growth

Value: -10.80%

Peer Median: 2.93%

#1051 of 1070 Bottom 1.9% in 100M-500M tier

1005

Indirect Auto Concentration (%)

balance_sheet

Value: 43.31%

Peer Median: 6.61%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

924

Efficiency Ratio

profitability

Value: 90.75%

Peer Median: 78.68%

#924 of 1070 Bottom 13.7% in 100M-500M tier

905

AMR Growth Rate

growth

Value: -1.07%

Peer Median: 3.46%

#905 of 1070 Bottom 15.5% in 100M-500M tier

903

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: 0.69%

#903 of 1070 Bottom 15.7% in 100M-500M tier

901

Asset Growth Rate

growth

Value: -0.19%

Peer Median: 3.91%

#901 of 1070 Bottom 15.9% in 100M-500M tier

879

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: 3.62%

#879 of 1070 Bottom 17.9% in 100M-500M tier

828

Loan-to-Share Ratio

balance_sheet

Value: 57.77%

Peer Median: 71.88%

#828 of 1070 Bottom 22.7% in 100M-500M tier

806

Member Growth Rate

growth

Value: -2.33%

Peer Median: -0.06%

#806 of 1070 Bottom 24.8% in 100M-500M tier