BlastPoint's Credit Union Scorecard

ONTARIO PUBLIC EMPLOYEES

Charter #13044 · CA

<100M

2508 CUs in <100M nationally 92 in CA

ONTARIO PUBLIC EMPLOYEES has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.18% above tier average
+ Net Interest Margin 0.36% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.45% above tier average
- AMR Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	1,781 -1.4% YoY-0.8% QoQ	-895	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	47%
Assets	$23.4M -4.0% YoY+0.3% QoQ	$-6.8M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	52%
Loans	$9.7M -15.3% YoY-8.2% QoQ	$-5.5M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	51%
Deposits	$19.7M -6.3% YoY-0.4% QoQ	$-6.1M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% -11.5% YoY-19.7% QoQ	+1.2%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	80%
NIM	4.4% +0.0% YoY-5.7% QoQ	+0.4%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	70.5% +8.6% YoY+11.2% QoQ	-20.1%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	2.0% +128.2% YoY+99.5% QoQ	+0.5	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	81%
Loan To Share	49.4% -9.6% YoY-7.9% QoQ	-9.1%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	35%
AMR	$16,536 -8.2% YoY-2.3% QoQ	+$2K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	63%
CD Concentration	8.8% -18.3% YoY-15.5% QoQ	-15.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

489

Return on Assets (ROA)

profitability

Value: 1.33%

Peer Median: 0.61%

#489 of 2508 Top 19.5% in <100M tier

530

Members Per Employee (MPE)

engagement

Value: 445.250

Peer Median: 333.750

#530 of 2508 Top 21.1% in <100M tier

Top Weaknesses (5 metrics)

2268

AMR Growth Rate

growth

Value: -8.22%

Peer Median: 1.27%

#2268 of 2508 Bottom 9.6% in <100M tier

2225

Loan Growth Rate

growth

Value: -15.32%

Peer Median: -2.36%

#2225 of 2508 Bottom 11.3% in <100M tier

2168

Deposit Growth Rate

growth

Value: -6.30%

Peer Median: 0.66%

#2168 of 2508 Bottom 13.6% in <100M tier

2059

Asset Growth Rate

growth

Value: -4.02%

Peer Median: 1.30%

#2059 of 2508 Bottom 17.9% in <100M tier

2023

Total Delinquency Rate (60+ days)

risk

Value: 1.96%

Peer Median: 0.65%

#2023 of 2508 Bottom 19.4% in <100M tier