BlastPoint's Credit Union Scorecard

HANCOCK

Charter #2815 · OH

1069 CUs in 100M-500M nationally 58 in OH

HANCOCK has 2 strengths but faces 7 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

+ Wallet Share Momentum: Top 60.2% in tier
+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 13.4% in tier
- Indirect Auto Dependency: Bottom 39.0% in tier
- Membership Headwinds: Bottom 69.3% in tier
- Stagnation Risk: Bottom 84.5% in tier
- ROA 0.63% below tier average
- Efficiency ratio 14.88% above tier (higher cost structure)
- Total Assets: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	9,085 -1.7% YoY-0.6% QoQ	-6.4K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	24%
Assets	$114.1M +6.0% YoY+1.5% QoQ	$-117.7M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	Bottom 9.3% in tier
Loans	$82.6M +4.1% YoY+1.5% QoQ	$-64.7M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	24%
Deposits	$102.2M +6.2% YoY+1.8% QoQ	$-98.6M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	Bottom 12.2% in tier

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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	0.1% -55.6% YoY-12.7% QoQ	-0.6%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	Bottom 10.1% in tier
NIM	3.9% +7.9% YoY+0.5% QoQ	+0.3%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	65%
Efficiency Ratio	91.9% +5.8% YoY+0.7% QoQ	+14.9%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	Top 7.1% in tier
Delinquency Rate	0.5% -48.8% YoY-58.1% QoQ	-0.4	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	35%
Loan To Share	80.8% -2.0% YoY-0.4% QoQ	+8.6%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	66%
AMR	$20,342 +7.1% YoY+2.2% QoQ	$-4K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	36%
CD Concentration	28.0% +1.6% YoY+5.2% QoQ	+3.6%	24.4%	19.4%	19.8%	50%
Indirect Auto %	25.0% -10.6% YoY-4.9% QoQ	+11.2%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#309 of 513 • Top 60.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.09%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#73 of 538 • Bottom 13.4% in tier

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

Why This Signature

Efficiency Ratio: 91.89%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#198 of 506 • Bottom 39.0% in tier

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

Why This Signature

Asset Growth (YoY): 5.98%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 24.97%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#384 of 554 • Bottom 69.3% in tier

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

Why This Signature

Member Growth (YoY): -1.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#468 of 554 • Bottom 84.5% 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): -1.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.06%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.54%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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 1069 peers in tier

Top Strengths (1 metrics)

243

AMR Growth Rate

growth

Value: 7.09%

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

Top Weaknesses (8 metrics)

994

Efficiency Ratio

profitability

Value: 91.89%

Peer Median: -

#994 of 1069 Bottom 7.1% in 100M-500M tier

970

Total Assets

balance_sheet

Value: $114.12M

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

961

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Median: -

#961 of 1069 Bottom 10.2% in 100M-500M tier

939

Total Deposits

balance_sheet

Value: $102.20M

Peer Median: -

#939 of 1069 Bottom 12.3% in 100M-500M tier

936

Net Worth Ratio

risk

Value: 8.92%

Peer Median: -

#936 of 1069 Bottom 12.5% in 100M-500M tier

847

Indirect Auto Concentration (%)

balance_sheet

Value: 24.97%

Peer Median: -

#847 of 1069 Bottom 20.9% in 100M-500M tier

810

Total Loans

balance_sheet

Value: $82.60M

Peer Median: -

#810 of 1069 Bottom 24.3% in 100M-500M tier

809

Total Members

engagement

Value: 9,085

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier