BlastPoint's Credit Union Scorecard
SUMMIT
Charter #7182 · OH
SUMMIT demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,650
-1.9% YoY-1.0% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$59.9M
+8.5% YoY+1.9% QoQ
|
+$29.7M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$31.3M
-3.5% YoY-2.3% QoQ
|
+$15.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$50.6M
+8.7% YoY+2.1% QoQ
|
+$24.9M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
1.0%
-30.9% YoY-12.9% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.7%
-10.4% YoY-1.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
76.7%
+12.4% YoY+4.3% QoQ
|
-5.9% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.4%
-5.3% YoY+31.8% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
61.9%
-11.3% YoY-4.3% QoQ
|
+1.3% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$17,618
+5.7% YoY+1.5% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
19.6%
+9.5% YoY+2.6% QoQ
|
-4.8% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)