BlastPoint's Credit Union Scorecard
SOLIDARITY COMMUNITY
Charter #9923 · IN
SOLIDARITY COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Fee Income Per Member: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: 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
- - Efficiency ratio 1.92% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Loan Growth Rate: Bottom 3.9% in tier
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,823
-2.3% YoY-1.3% QoQ
|
+8.4K |
15,437
-2.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 14.4% in tier |
| Assets |
$348.0M
-0.6% YoY+0.7% QoQ
|
+$116.1M |
$231.9M
+1.3% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$188.7M
-9.0% YoY-3.4% QoQ
|
+$41.4M |
$147.3M
-0.1% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$306.9M
+5.0% YoY+1.2% QoQ
|
+$106.1M |
$200.8M
+0.8% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.9%
+66.4% YoY-15.2% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
3.1%
+12.1% YoY+0.9% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
78.9%
-7.7% YoY+3.4% QoQ
|
+1.9% |
77.0%
-3.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.7%
-1.5% YoY+55.3% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
61.5%
-13.4% YoY-4.6% QoQ
|
-10.7% |
72.2%
-1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$20,805
+1.5% YoY+0.7% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
24.3%
+5.8% YoY-2.6% QoQ
|
-0.1% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
44.4%
-7.4% YoY-4.7% QoQ
|
+30.6% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)