BlastPoint's Credit Union Scorecard
BMI
Charter #1199 · OH
BMI has 1 strength but faces 3 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 7.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 76.3% in tier
- - Shrinking Wallet Share: Bottom 83.4% in tier
- - ROA 0.07% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,810
+1.4% YoY-0.0% QoQ
|
+8.7K |
38,079
-4.8% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$730.7M
+1.1% YoY+1.0% QoQ
|
+$111.0M |
$619.7M
-0.2% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 8.4% in tier |
| Loans |
$527.2M
-0.9% YoY-1.1% QoQ
|
+$107.9M |
$419.3M
-1.4% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$621.6M
+2.1% YoY+1.2% QoQ
|
+$82.1M |
$539.5M
-0.1% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
83% |
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| ROA |
0.6%
+138.4% YoY+11.2% QoQ
|
-0.1% |
0.7%
+36.0% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
3.0%
+19.6% YoY+8.3% QoQ
|
-0.5% |
3.5%
+4.5% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
75.2%
-11.5% YoY-5.7% QoQ
|
-3.2% |
78.4%
-3.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.4%
-5.3% YoY-20.4% QoQ
|
-0.3 |
0.7%
-0.9% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
84.8%
-3.0% YoY-2.2% QoQ
|
+7.1% |
77.7%
-1.2% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$24,542
-0.7% YoY+0.1% QoQ
|
$-2K |
$26,927
+3.1% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
22.3%
-0.6% YoY-0.8% QoQ
|
-2.0% | 24.3% | 19.4% | 19.8% | 43% |
| Indirect Auto % |
24.6%
-15.1% YoY-3.3% QoQ
|
+10.8% | 13.8% | 11.4% | 7.7% | 78% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)