BMI

Charter #1199 | OH

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in OH

BMI has 1 strength but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 29.2% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.9% in tier
  • - Credit Quality Pressure: Bottom 20.1% in tier
  • - Growth-at-Risk: Bottom 26.9% in tier
  • - Efficiency Drag: Bottom 27.6% in tier
  • - Indirect Auto Dependency: Bottom 29.3% in tier
  • - ROA 0.21% below tier average
  • - Efficiency ratio 3.07% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 46,644
+2.1% YoY+0.4% QoQ
 +6.9K 39,752
-2.7% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Top 21.9% in tier
Assets $709.4M
-0.1% YoY+0.9% QoQ
 +$87.1M $622.4M
+0.3% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Top 17.8% in tier
Loans $538.2M
+1.7% YoY+0.2% QoQ
 +$102.3M $435.9M
-0.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Top 16.6% in tier
Deposits $603.2M
+2.2% YoY+0.7% QoQ
 +$65.2M $538.0M
+1.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Top 20.7% in tier
ROA 0.4%
-64.0% YoY+32.9% QoQ
 -0.2% 0.7%
+33.9% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 37th in tier
NIM 2.7%
+25.2% YoY+3.8% QoQ
 -0.7% 3.4%
+8.6% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Bottom 10.7% in tier
Efficiency Ratio 81.2%
+23.7% YoY-0.8% QoQ
 +3.1% 78.1%
-3.4% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 66th in tier
Delinquency Rate 0.5%
+25.8% YoY+34.8% QoQ
 -0.3 0.8%
-4.9% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 31st in tier
Loan To Share 89.2%
-0.4% YoY-0.4% QoQ
 +8.2% 81.0%
-1.8% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $24,470
-0.1% YoY+0.1% QoQ
 $-2K $26,482
+2.6% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 48th in tier
CD Concentration 22.8%
-1.7% YoY-0.7% QoQ
 -1.6% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 44th in tier
Indirect Auto % 26.9%
-9.2% YoY-4.2% QoQ
 +13.0% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Top 20.7% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#535 of 603 • Top 29.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.45%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 26.94%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (5)

Flatlined Growth

risk
#4 of 58 • Bottom 2.9% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $709.45M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -0.11%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.45%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Credit Quality Pressure

risk
#497 of 736 • Bottom 20.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#404 of 446 • Bottom 26.9% in tier

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

Why This Signature
Loan Growth (YoY): 1.74%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk
#488 of 521 • Bottom 27.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.16%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.79% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.08%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#471 of 525 • Bottom 29.3% in tier

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

Why This Signature
Asset Growth (YoY): -0.11%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 26.94%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.08%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

20
Members Per Employee (MPE)
engagement
Value: 431.889
Peer Avg: 338.010
#20 of 169 Top 11.2% in 500M-750M tier
28
Total Loans
balance_sheet
Value: $538.21M
Peer Avg: $435.95M
#28 of 169 Top 16.0% in 500M-750M tier
30
Total Assets
balance_sheet
Value: $709.45M
Peer Avg: $622.38M
#30 of 169 Top 17.2% in 500M-750M tier
34
Net Charge-Off Rate
risk
Value: 0.17%
Peer Avg: 0.51%
#34 of 169 Top 19.5% in 500M-750M tier
35
Total Deposits
balance_sheet
Value: $603.19M
Peer Avg: $538.02M
#35 of 169 Top 20.1% in 500M-750M tier
37
Total Members
engagement
Value: 46,644
Peer Avg: 39,752
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (5 metrics)

152
Fee Income Per Member
profitability
Value: $121.02
Peer Avg: $199.27
#152 of 169 Bottom 10.7% in 500M-750M tier
151
Net Interest Margin (NIM)
profitability
Value: 2.75%
Peer Avg: 3.43%
#151 of 169 Bottom 11.2% in 500M-750M tier
136
Asset Growth Rate
growth
Value: -0.11%
Peer Avg: 4.33%
#136 of 169 Bottom 20.1% in 500M-750M tier
132
First Mortgage Concentration (%)
balance_sheet
Value: 45.25%
Peer Avg: 33.53%
#132 of 169 Bottom 22.5% in 500M-750M tier
131
AMR Growth Rate
growth
Value: -0.10%
Peer Avg: 3.12%
#131 of 169 Bottom 23.1% in 500M-750M tier