BlastPoint's Credit Union Scorecard

SOLIDARITY COMMUNITY

Charter #9923 · IN

100M-500M

1024 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
- Cost Spiral: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier

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 +1.4% year over year ($309M in shares and deposits).
Membership: 23,692 members, -2.2% vs a year ago.
Delinquency rate 0.47%.
Return on assets 0.51%.
Efficiency ratio 85.77% vs a 76.73% peer average.
Loan-to-share ratio 56.79% 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	23,692 -2.2% YoY-0.3% QoQ	+8.5K	15,168 -2.6% YoY	23,392 +5.7% YoY	34,678 +6.6% YoY	Top 13.8% in tier
Assets	$351.1M +0.9% YoY-1.0% QoQ	+$119.1M	$232.0M +0.7% YoY	$404.4M +8.2% YoY	$593.1M +10.2% YoY	82%
Loans	$175.7M -12.6% YoY-3.3% QoQ	+$29.4M	$146.3M +0.2% YoY	$288.6M +8.1% YoY	$418.6M +10.1% YoY	69%
Deposits	$309.4M +1.4% YoY-1.6% QoQ	+$108.7M	$200.7M +0.2% YoY	$337.5M +7.0% YoY	$504.8M +10.3% YoY	83%

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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	0.5% -62.1% YoY+173.4% QoQ	-0.4%	0.9% +12.5% YoY	1.6% +105.9% YoY	1.2% +121.4% YoY	29%
NIM	3.1% +5.5% YoY+1.5% QoQ	-0.6%	3.7% +4.5% YoY	3.9% +3.1% YoY	3.8% +2.3% YoY	18%
Efficiency Ratio	85.8% +17.8% YoY-5.5% QoQ	+9.0%	76.7% -0.8% YoY	105.3% +31.6% YoY	83.0% -5.3% YoY	78%
Delinquency Rate	0.5% -21.4% YoY+80.8% QoQ	-0.4	0.9% +6.6% YoY	1.6% +32.0% YoY	1.3% +2.6% YoY	33%
Loan To Share	56.8% -13.8% YoY-1.7% QoQ	-14.8%	71.5% -0.3% YoY	68.6% +0.4% YoY	66.4% -1.4% YoY	20%
AMR	$20,473 -2.0% YoY-1.9% QoQ	$-5K	$25,107 +3.2% YoY	$18,349 +1.6% YoY	$20,028 -0.9% YoY	34%
CD Concentration	24.5% +2.3% YoY+2.4% QoQ	+0.0%	24.6%	19.4%	20.0%	50%
Indirect Auto %	42.2% -10.9% YoY-2.5% QoQ	+28.6%	13.6%	11.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Institutional Decline

decline

#48 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: $351.10M

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

but better than tier avg

Member Growth (YoY): -2.21%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -12.64%

(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 | Rank improving

Cost Spiral

risk

#26 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: 12.96% points

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

worse than tier avg

Efficiency Ratio (Prior Year): 72.81%

(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

Stagnation Risk

risk

#175 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): -2.21%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -12.64%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.47%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

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

↓ Shrinking -15 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#167 of 476 • 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): 0.86%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 42.21%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -2.21%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#20 of 46 • 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): -2.21%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -2.04%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#127 of 223 • 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): -2.04%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Membership Headwinds

decline

#314 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): -2.21%

(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 | Rank improving

Efficiency Drag

risk

#397 of 531 • 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: 85.77%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.84% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -2.21%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (6 metrics)

141

Total Members

engagement

Value: 23,692

Peer Median: 13,128

#141 of 1024 Top 13.7% in 100M-500M tier

164

Fee Income Per Member

profitability

Value: $233.18

Peer Median: $159.88

#164 of 1024 Top 15.9% in 100M-500M tier

173

Total Deposits

balance_sheet

Value: $309.37M

Peer Median: $170.77M

#173 of 1024 Top 16.8% in 100M-500M tier

184

Total Assets

balance_sheet

Value: $351.10M

Peer Median: $196.38M

#184 of 1024 Top 17.9% in 100M-500M tier

226

Members Per Employee (MPE)

engagement

Value: 388.393

Peer Median: 310.924

#226 of 1024 Top 22.0% in 100M-500M tier

229

First Mortgage Concentration (%)

balance_sheet

Value: 16.21%

Peer Median: 29.92%

#229 of 1024 Top 22.3% in 100M-500M tier

Top Weaknesses (8 metrics)

1011

Loan Growth Rate

growth

Value: -12.64%

Peer Median: 3.02%

#1011 of 1024 Bottom 1.4% in 100M-500M tier

956

Indirect Auto Concentration (%)

balance_sheet

Value: 42.21%

Peer Median: 6.15%

#956 of 1024 Bottom 6.7% in 100M-500M tier

923

AMR Growth Rate

growth

Value: -2.04%

Peer Median: 3.53%

#923 of 1024 Bottom 10.0% in 100M-500M tier

839

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Median: 3.67%

#839 of 1024 Bottom 18.2% in 100M-500M tier

815

Loan-to-Share Ratio

balance_sheet

Value: 56.79%

Peer Median: 73.07%

#815 of 1024 Bottom 20.5% in 100M-500M tier

803

Efficiency Ratio

profitability

Value: 85.77%

Peer Median: 77.26%

#803 of 1024 Bottom 21.7% in 100M-500M tier

787

Asset Growth Rate

growth

Value: 0.86%

Peer Median: 4.12%

#787 of 1024 Bottom 23.2% in 100M-500M tier

772

Member Growth Rate

growth

Value: -2.21%

Peer Median: -0.03%

#772 of 1024 Bottom 24.7% in 100M-500M tier