BlastPoint's Credit Union Scorecard

CHIVAHO

Charter #5741 · OH

2556 CUs in <100M nationally 118 in OH

CHIVAHO has 1 strength but faces 2 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

+ ROA 0.09% above tier average

Key Concerns

Areas that may need attention

- Member decline: -4.3% YoY
- First Mortgage Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	2,235 -4.3% YoY-4.0% QoQ	-380	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	56%
Assets	$36.7M +5.0% YoY+1.0% QoQ	+$6.6M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	66%
Loans	$15.4M -1.8% YoY-0.7% QoQ	$-402K	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	62%
Deposits	$31.5M +5.9% YoY+0.9% QoQ	+$5.8M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	67%

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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	0.7% +33.1% YoY-8.6% QoQ	+0.1%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	51%
NIM	2.9% +15.0% YoY+0.4% QoQ	-1.0%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	16%
Efficiency Ratio	76.4% -9.1% YoY+2.7% QoQ	-6.2%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	41%
Delinquency Rate	0.8% +152.6% YoY+81.4% QoQ	-0.8	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	52%
Loan To Share	48.7% -7.2% YoY-1.6% QoQ	-11.9%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	31%
AMR	$20,970 +7.9% YoY+4.6% QoQ	+$6K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	82%
CD Concentration	17.5% -11.7% YoY-13.1% QoQ	-6.9%	24.4%	19.4%	19.8%	50%
Indirect Auto %	4.9% +47.5% QoQ	-8.9%	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 (4 metrics)

380

AMR Growth Rate

growth

Value: 7.90%

Peer Median: -

#380 of 2556 Top 14.8% in <100M tier

451

Average Member Relationship (AMR)

engagement

Value: $20,970

Peer Median: -

#451 of 2556 Top 17.6% in <100M tier

532

Deposit Growth Rate

growth

Value: 5.87%

Peer Median: -

#532 of 2556 Top 20.8% in <100M tier

539

Fee Income Per Member

profitability

Value: $129.80

Peer Median: -

#539 of 2556 Top 21.0% in <100M tier

Top Weaknesses (4 metrics)

2387

First Mortgage Concentration (%)

balance_sheet

Value: 52.96%

Peer Median: -

#2387 of 2556 Bottom 6.7% in <100M tier

2264

Indirect Auto Concentration (%)

balance_sheet

Value: 4.91%

Peer Median: -

#2264 of 2556 Bottom 11.5% in <100M tier

2133

Net Interest Margin (NIM)

profitability

Value: 2.91%

Peer Median: -

#2133 of 2556 Bottom 16.6% in <100M tier

2029

Member Growth Rate

growth

Value: -4.32%

Peer Median: -

#2029 of 2556 Bottom 20.7% in <100M tier