BlastPoint's Credit Union Scorecard
BFG
Charter #511 · OH
BFG has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.68% above tier average
- + Members Per Employee (MPE): Top 0.6% in tier
- + Share Certificate Concentration (%): Top 5.9% in tier
- + Total Delinquency Rate (60+ days): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 13.28% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,521
-1.5% YoY+0.3% QoQ
|
+5.1K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$162.6M
+5.5% YoY+0.7% QoQ
|
$-69.3M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$117.0M
+6.1% YoY+1.1% QoQ
|
$-30.4M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$141.9M
+5.8% YoY+1.1% QoQ
|
$-58.9M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.3%
-52.7% YoY-6.8% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
4.3%
-1.6% YoY-1.1% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 15.0% in tier |
| Efficiency Ratio |
90.3%
+8.2% YoY-0.3% QoQ
|
+13.3% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
0.1%
-35.3% YoY-47.1% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 6.8% in tier |
| Loan To Share |
82.4%
+0.3% YoY+0.0% QoQ
|
+10.2% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$12,617
+7.6% YoY+0.7% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.4% in tier |
| CD Concentration |
6.2%
+53.3% YoY+1.9% QoQ
|
-18.2% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)