BlastPoint's Credit Union Scorecard
YOUR LEGACY
Charter #7674 · OH
YOUR LEGACY has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.70% above tier average
- + Total Deposits: Top 6.6% in tier
- + Total Members: Top 7.2% in tier
- + Total Loans: Top 7.6% in tier
- + Total Assets: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 2.1% in tier
- - Net Charge-Off Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,483
+1.1% YoY-0.6% QoQ
|
+3.9K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 7.3% in tier |
| Assets |
$77.1M
+7.3% YoY+5.5% QoQ
|
+$47.0M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 8.9% in tier |
| Loans |
$45.0M
+6.7% YoY+0.6% QoQ
|
+$29.2M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 7.6% in tier |
| Deposits |
$70.7M
+8.8% YoY+7.2% QoQ
|
+$45.0M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 6.7% in tier |
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| ROA |
0.7%
-7.6% YoY+11.5% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
4.7%
+6.9% YoY-1.1% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
66.3%
-4.7% YoY-0.6% QoQ
|
-16.3% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.1%
+12.5% YoY-19.2% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
63.6%
-2.0% YoY-6.2% QoQ
|
+3.0% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$17,836
+6.8% YoY+5.2% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
17.0%
+7.2% YoY-2.8% QoQ
|
-7.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
43.9%
+5.0% YoY-0.5% QoQ
|
+30.1% | 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)