BlastPoint's Credit Union Scorecard
CAREY POVERELLO
Charter #6636 · OH
CAREY POVERELLO has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.4% in tier
- + Asset Growth Rate: Top 1.9% in tier
- + AMR Growth Rate: Top 2.4% in tier
- + Net Charge-Off Rate: Top 3.2% in tier
- + Loan Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.12% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,676
-1.0% YoY-0.7% QoQ
|
-939 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$31.0M
+19.7% YoY+9.9% QoQ
|
+$880K |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$9.6M
+10.9% YoY+0.9% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$26.8M
+22.1% YoY+11.4% QoQ
|
+$1.1M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.7%
-32.8% YoY-16.3% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
2.9%
-13.3% YoY-5.0% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
15% |
| Efficiency Ratio |
82.7%
+12.6% YoY+2.3% QoQ
|
+0.1% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.4%
-54.8% YoY+52.3% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
35.8%
-9.1% YoY-9.5% QoQ
|
-24.8% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$21,747
+20.1% YoY+9.1% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
8.6%
-33.0% YoY-12.4% QoQ
|
-5.2% | 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)