BlastPoint's Credit Union Scorecard

BMI

Charter #1199 · OH

Community 500M-750M

165 CUs in 500M-750M nationally 7 in OH

View Community leaderboard →

BMI has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 84.7% in tier
+ Total Assets: Top 8.5% in tier
+ Members Per Employee (MPE): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 13.3% in tier
- Credit Quality Pressure: Bottom 72.7% in tier
- Indirect Auto Dependency: Bottom 91.7% in tier
- Credit Risk Growth: Bottom 92.1% in tier
- ROA 0.10% below tier average
- Efficiency ratio 2.21% above tier (higher cost structure)
- Fee Income Per Member: Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	46,820 +2.2% YoY+0.4% QoQ	+8.2K	38,575 -4.8% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	82%
Assets	$723.8M +0.5% YoY+2.0% QoQ	+$102.1M	$621.7M +0.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	Top 9.1% in tier
Loans	$533.0M +1.7% YoY-1.0% QoQ	+$103.2M	$429.8M -1.8% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	83%
Deposits	$614.4M +2.4% YoY+1.9% QoQ	+$75.7M	$538.7M +0.6% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	81%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -45.9% YoY+24.2% QoQ	-0.1%	0.7% +42.9% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	46%
NIM	2.8% +23.8% YoY+1.1% QoQ	-0.7%	3.4% +8.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	Bottom 12.7% in tier
Efficiency Ratio	79.7% +16.1% YoY-1.8% QoQ	+2.2%	77.5% -4.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	58%
Delinquency Rate	0.5% +24.9% YoY+9.4% QoQ	-0.3	0.8% -1.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	28%
Loan To Share	86.8% -0.7% YoY-2.8% QoQ	+6.9%	79.8% -2.3% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	66%
AMR	$24,506 -0.2% YoY+0.1% QoQ	$-2K	$26,849 +2.7% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	44%
CD Concentration	22.5% -1.3% YoY-1.3% QoQ	-2.0%	24.4%	19.4%	19.8%	44%
Indirect Auto %	25.4% -12.1% YoY-5.5% QoQ	+11.7%	13.8%	11.2%	7.8%	78%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#504 of 595 • Top 84.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.23%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.55%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 25.44%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Cost Spiral

risk

#7 of 46 • Bottom 13.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 11.05% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 44.53%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 282 Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#513 of 705 • Bottom 72.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#464 of 506 • Bottom 91.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.49%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 25.44%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.23%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Credit Risk Growth

risk

#420 of 456 • Bottom 92.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.68%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

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 165 peers in tier

Top Strengths (6 metrics)

Total Assets

balance_sheet

Value: $723.84M

Peer Median: -

#15 of 165 Top 8.5% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 433.519

Peer Median: -

#17 of 165 Top 9.7% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#24 of 165 Top 13.9% in 500M-750M tier

Total Loans

balance_sheet

Value: $532.98M

Peer Median: -

#28 of 165 Top 16.4% in 500M-750M tier

Total Members

engagement

Value: 46,820

Peer Median: -

#29 of 165 Top 17.0% in 500M-750M tier

Total Deposits

balance_sheet

Value: $614.38M

Peer Median: -

#32 of 165 Top 18.8% in 500M-750M tier

Top Weaknesses (5 metrics)

152

Fee Income Per Member

profitability

Value: $119.49

Peer Median: -

#152 of 165 Bottom 8.5% in 500M-750M tier

144

Net Interest Margin (NIM)

profitability

Value: 2.78%

Peer Median: -

#144 of 165 Bottom 13.3% in 500M-750M tier

136

AMR Growth Rate

growth

Value: -0.18%

Peer Median: -

#136 of 165 Bottom 18.2% in 500M-750M tier

135

Asset Growth Rate

growth

Value: 0.49%

Peer Median: -

#135 of 165 Bottom 18.8% in 500M-750M tier

133

First Mortgage Concentration (%)

balance_sheet

Value: 46.01%

Peer Median: -

#133 of 165 Bottom 20.0% in 500M-750M tier