BlastPoint's Credit Union Scorecard

GLASS CITY

Charter #5495 · OH

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

GLASS CITY has 4 strengths but faces 3 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

  • + Organic Growth Engine: Top 83.2% in tier
  • + ROA 0.27% above tier average
  • + Total Delinquency Rate (60+ days): Top 5.7% in tier
  • + Total Members: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.0% in tier
  • - Credit Quality Pressure: Bottom 98.3% in tier
  • - Indirect Auto Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 26,870
+1.0% YoY+1.4% QoQ
 +11.4K 15,437
-2.9% YoY
 16,819
+5.2% YoY
 33,374
+5.7% YoY
 Top 9.9% in tier
Assets $320.2M
+9.5% YoY+2.9% QoQ
 +$88.3M $231.9M
+1.3% YoY
 $253.6M
+9.4% YoY
 $561.6M
+9.7% YoY
 76%
Loans $229.8M
+0.3% YoY+0.8% QoQ
 +$82.4M $147.3M
-0.1% YoY
 $173.0M
+7.8% YoY
 $397.0M
+8.8% YoY
 82%
Deposits $281.1M
+8.7% YoY+2.6% QoQ
 +$80.3M $200.8M
+0.8% YoY
 $217.1M
+9.6% YoY
 $477.3M
+9.7% YoY
 78%

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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 1.0%
+38.7% YoY+1.4% QoQ
 +0.3% 0.8%
+18.2% YoY
 0.4%
-22.9% YoY
 0.7%
+15.9% YoY
 70%
NIM 3.5%
+7.1% YoY+1.2% QoQ
 -0.1% 3.6%
+6.7% YoY
 3.8%
+3.7% YoY
 3.8%
+5.1% YoY
 44%
Efficiency Ratio 74.4%
-4.5% YoY-0.2% QoQ
 -2.6% 77.0%
-3.1% YoY
 82.6%
+2.4% YoY
 79.7%
-3.3% YoY
 38%
Delinquency Rate 0.1%
+4.7% YoY-75.9% QoQ
 -0.8 0.9%
+4.2% YoY
 1.6%
+33.3% YoY
 1.3%
-2.1% YoY
 Bottom 5.7% in tier
Loan To Share 81.8%
-7.7% YoY-1.7% QoQ
 +9.5% 72.2%
-1.1% YoY
 63.0%
-2.6% YoY
 67.4%
-1.7% YoY
 69%
AMR $19,013
+3.7% YoY+0.4% QoQ
 $-6K $24,676
+3.4% YoY
 $17,423
+5.7% YoY
 $19,687
+2.0% YoY
 27%
CD Concentration 25.3%
+31.4% YoY-1.2% QoQ
 +0.9% 24.4% 19.4% 19.8% 50%
Indirect Auto % 54.8%
-0.6% YoY-0.3% QoQ
 +41.1% 13.8% 11.2% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#495 of 595 • Top 83.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.04%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.04%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 54.85%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#11 of 506 • Bottom 2.0% in tier

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

Why This Signature
Asset Growth (YoY): 9.46%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 54.85%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 1.04%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk
#693 of 705 • Bottom 98.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.03% points, National: 0.06% points)
but better than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | 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)

Comparing against 1069 peers in tier

Top Strengths (10 metrics)

62
Total Delinquency Rate (60+ days)
risk
Value: 0.12%
Peer Median: -
#62 of 1069 Top 5.7% in 100M-500M tier
106
Total Members
engagement
Value: 26,870
Peer Median: -
#106 of 1069 Top 9.8% in 100M-500M tier
159
Members Per Employee (MPE)
engagement
Value: 426.508
Peer Median: -
#159 of 1069 Top 14.8% in 100M-500M tier
164
Asset Growth Rate
growth
Value: 9.46%
Peer Median: -
#164 of 1069 Top 15.2% in 100M-500M tier
164
Net Charge-Off Rate
risk
Value: 0.11%
Peer Median: -
#164 of 1069 Top 15.2% in 100M-500M tier
183
Deposit Growth Rate
growth
Value: 8.72%
Peer Median: -
#183 of 1069 Top 17.0% in 100M-500M tier
189
Total Loans
balance_sheet
Value: $229.79M
Peer Median: -
#189 of 1069 Top 17.6% in 100M-500M tier
193
First Mortgage Concentration (%)
balance_sheet
Value: 13.82%
Peer Median: -
#193 of 1069 Top 18.0% in 100M-500M tier
240
Total Deposits
balance_sheet
Value: $281.08M
Peer Median: -
#240 of 1069 Top 22.4% in 100M-500M tier
252
Total Assets
balance_sheet
Value: $320.18M
Peer Median: -
#252 of 1069 Top 23.5% in 100M-500M tier

Top Weaknesses (1 metrics)

1042
Indirect Auto Concentration (%)
balance_sheet
Value: 54.85%
Peer Median: -
#1042 of 1069 Bottom 2.6% in 100M-500M tier
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