BlastPoint's Credit Union Scorecard
ST. COLMAN & AFFILIATES
Charter #3462 · OH
ST. COLMAN & AFFILIATES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Net Worth Ratio: Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,835
-1.2% YoY-7.9% QoQ
|
+219 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$7.7M
-2.6% YoY-0.5% QoQ
|
$-22.4M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$5.1M
-4.8% YoY-2.1% QoQ
|
$-10.7M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$6.9M
-4.8% YoY-0.8% QoQ
|
$-18.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.4%
+1.6% YoY+1.1% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
5.8%
+5.6% YoY+5.7% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
81.5%
-0.2% YoY-0.4% QoQ
|
-1.1% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.4%
+1529.4% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
73.8%
+0.1% YoY-1.3% QoQ
|
+13.2% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$4,233
-3.6% YoY+7.1% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.5% in tier |
| CD Concentration |
13.7%
-7.5% YoY-2.3% QoQ
|
-10.8% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)