BlastPoint's Credit Union Scorecard

ST. JOSEPHS CANTON PARISH

Charter #4884 · OH

2556 CUs in <100M nationally 118 in OH

ST. JOSEPHS CANTON PARISH has 2 strengths but faces 1 concern

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 0.48% above tier average
+ Total Members: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 4.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	5,810 -0.8% YoY-0.7% QoQ	+3.2K	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	Top 9.8% in tier
Assets	$62.1M -2.6% YoY-0.7% QoQ	+$31.9M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	84%
Loans	$22.7M -0.4% YoY-3.2% QoQ	+$6.9M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	74%
Deposits	$54.9M -4.1% YoY-1.0% QoQ	+$29.2M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	84%

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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	1.1% +6.9% YoY-2.8% QoQ	+0.5%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	70%
NIM	3.7% +12.5% YoY-0.6% QoQ	-0.3%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	40%
Efficiency Ratio	74.9% +3.8% YoY+0.5% QoQ	-7.6%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	38%
Delinquency Rate	0.2% +7.5% YoY+12.5% QoQ	-1.3	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	29%
Loan To Share	41.3% +3.8% YoY-2.3% QoQ	-19.3%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	21%
AMR	$13,346 -2.3% YoY-1.0% QoQ	$-1K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	47%
CD Concentration	5.6% -10.6% YoY-9.0% QoQ	-18.8%	24.4%	19.4%	19.8%	50%
Indirect Auto %	29.6% +0.5% YoY-1.7% QoQ	+15.8%	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 (3 metrics)

251

Total Members

engagement

Value: 5,810

Peer Median: -

#251 of 2556 Top 9.8% in <100M tier

398

Total Deposits

balance_sheet

Value: $54.87M

Peer Median: -

#398 of 2556 Top 15.5% in <100M tier

413

Total Assets

balance_sheet

Value: $62.06M

Peer Median: -

#413 of 2556 Top 16.1% in <100M tier

Top Weaknesses (4 metrics)

2452

Indirect Auto Concentration (%)

balance_sheet

Value: 29.59%

Peer Median: -

#2452 of 2556 Bottom 4.1% in <100M tier

2011

Loan-to-Share Ratio

balance_sheet

Value: 41.31%

Peer Median: -

#2011 of 2556 Bottom 21.4% in <100M tier

2009

Deposit Growth Rate

growth

Value: -4.08%

Peer Median: -

#2009 of 2556 Bottom 21.4% in <100M tier

1956

Asset Growth Rate

growth

Value: -2.57%

Peer Median: -

#1956 of 2556 Bottom 23.5% in <100M tier