BlastPoint's Credit Union Scorecard
PORT CONNEAUT
Charter #12351 · OH
PORT CONNEAUT has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.47% above tier average
- + Fee Income Per Member: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency ratio 8.89% above tier (higher cost structure)
- - Delinquency rate 0.65% above tier average
- - Member decline: -4.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,719
-4.0% YoY-1.4% QoQ
|
+1.0K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$30.8M
-1.9% YoY+0.4% QoQ
|
+$592K |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$13.5M
-0.9% YoY-0.2% QoQ
|
$-1.8M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$26.4M
-1.8% YoY+0.8% QoQ
|
+$608K |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
-0.2%
-134.0% YoY-126.0% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.5%
+0.8% YoY-3.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
99.5%
+10.7% YoY+13.6% QoQ
|
+8.9% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
2.2%
-20.4% YoY-40.2% QoQ
|
+0.6 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
51.0%
+0.9% YoY-1.0% QoQ
|
-7.5% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$10,717
+2.6% YoY+1.8% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
10.8%
+4.4% YoY-1.9% QoQ
|
-13.5% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 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)