BlastPoint's Credit Union Scorecard
BMI
Charter #1199 · OH
BMI has 2 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 6.7% in tier
- + Members Per Employee (MPE): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 35.4% in tier
- - Indirect Auto Dependency: Bottom 51.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 7 that size in Ohio.
- Shares and deposits +3.2% year over year ($618M in shares and deposits).
- Membership: 46,969 members, +1.0% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 0.79%.
- Efficiency ratio 75.53% vs a 76.56% peer average.
- Loan-to-share ratio 85.90% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,969
+1.0% YoY+0.3% QoQ
|
+9.1K |
37,897
-5.0% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Top 14.5% in tier |
| Assets |
$732.3M
+4.1% YoY+0.2% QoQ
|
+$110.0M |
$622.4M
+0.6% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Top 7.3% in tier |
| Loans |
$531.0M
-1.1% YoY+0.7% QoQ
|
+$102.5M |
$428.5M
-0.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
85% |
| Deposits |
$618.1M
+3.2% YoY-0.6% QoQ
|
+$78.4M |
$539.8M
+0.9% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.8%
+135.7% YoY+28.3% QoQ
|
+0.0% |
0.8%
+39.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.1%
+15.3% YoY+1.4% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
75.5%
-7.7% YoY+0.4% QoQ
|
-1.0% |
76.6%
-3.6% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
0.5%
+35.4% YoY+15.4% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
85.9%
-4.2% YoY+1.3% QoQ
|
+6.6% |
79.3%
-1.4% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$24,465
+0.1% YoY-0.3% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
22.3%
-2.5% YoY+0.3% QoQ
|
-2.2% | 24.6% | 19.2% | 20.0% | 42% |
| Indirect Auto % |
23.4%
-16.7% YoY-4.8% QoQ
|
+9.8% | 13.6% | 11.9% | 7.7% | 76% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)