BlastPoint's Credit Union Scorecard
ALL SAINTS
Charter #4845 · OH
ALL SAINTS has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,037
-6.4% YoY-0.6% QoQ
|
+1.4K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$44.4M
-0.0% YoY+0.7% QoQ
|
+$14.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$20.7M
-10.9% YoY-1.4% QoQ
|
+$5.0M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$36.0M
-1.2% YoY+0.7% QoQ
|
+$10.4M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
0.9%
-9.9% YoY-14.2% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.0%
+0.1% YoY-0.8% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
78.2%
+3.9% YoY+3.1% QoQ
|
-4.3% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.4%
-66.7% YoY-21.3% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
57.5%
-9.8% YoY-2.0% QoQ
|
-3.1% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$14,059
+1.5% YoY+0.5% QoQ
|
$-724 |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
19.0%
+11.2% YoY+7.7% QoQ
|
-5.4% | 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)