BlastPoint's Credit Union Scorecard

FIRST OHIO COMMUNITY

Charter #2454 · OH

2556 CUs in <100M nationally 118 in OH

FIRST OHIO COMMUNITY has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.30% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.5% YoY
- Indirect Auto Concentration (%): Bottom 1.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,350 -3.5% YoY-1.3% QoQ	+734	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	72%
Assets	$44.3M +6.0% YoY+3.0% QoQ	+$14.2M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	73%
Loans	$17.6M -6.7% YoY-2.5% QoQ	+$1.8M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	66%
Deposits	$39.6M +5.7% YoY+3.1% QoQ	+$13.9M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	75%

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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	0.9% -15.9% YoY+14.5% QoQ	+0.3%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	62%
NIM	3.2% -6.1% YoY-1.3% QoQ	-0.7%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	26%
Efficiency Ratio	72.1% +3.0% YoY-3.8% QoQ	-10.5%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	32%
Delinquency Rate	0.1% +15.7% YoY-34.1% QoQ	-1.5	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	19%
Loan To Share	44.4% -11.7% YoY-5.4% QoQ	-16.2%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	25%
AMR	$17,086 +5.3% YoY+2.6% QoQ	+$2K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	67%
CD Concentration	13.1% +28.1% YoY+2.5% QoQ	-11.3%	24.4%	19.4%	19.8%	50%
Indirect Auto %	51.2% -6.2% YoY-2.4% QoQ	+37.4%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (4 metrics)

497

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: -

#497 of 2556 Top 19.4% in <100M tier

553

Asset Growth Rate

growth

Value: 5.99%

Peer Median: -

#553 of 2556 Top 21.6% in <100M tier

565

Deposit Growth Rate

growth

Value: 5.67%

Peer Median: -

#565 of 2556 Top 22.1% in <100M tier

640

Total Deposits

balance_sheet

Value: $39.63M

Peer Median: -

#640 of 2556 Top 25.0% in <100M tier

Top Weaknesses (2 metrics)

2517

Indirect Auto Concentration (%)

balance_sheet

Value: 51.22%

Peer Median: -

#2517 of 2556 Bottom 1.6% in <100M tier

2043

Net Worth Ratio

risk

Value: 10.50%

Peer Median: -

#2043 of 2556 Bottom 20.1% in <100M tier