BlastPoint's Credit Union Scorecard
NOTEWORTHY
Charter #13559 · OH
2556 CUs in <100M nationally
118 in OH
NOTEWORTHY has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.7% in tier
- + AMR Growth Rate: Top 1.0% in tier
- + Asset Growth Rate: Top 1.6% in tier
- + Members Per Employee (MPE): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 9.16% below tier average
- - Efficiency ratio 165.85% above tier (higher cost structure)
- - Delinquency rate 0.66% above tier average
- - Member decline: -9.9% YoY
- - Net Worth Ratio: Bottom 0.2% in tier
- - Share Certificate Concentration (%): Bottom 5.4% in tier
- - Member Growth Rate: Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
713
-9.9% YoY-2.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$4.7M
+21.0% YoY+2.7% QoQ
|
$-25.4M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$3.6M
+7.1% YoY-6.4% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$4.7M
+36.0% YoY+2.1% QoQ
|
$-21.0M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
-8.5%
+794.4% YoY+502.8% QoQ
|
-9.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.5% in tier |
| NIM |
5.3%
-20.6% YoY-5.6% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 9.4% in tier |
| Efficiency Ratio |
248.4%
+130.7% YoY+114.5% QoQ
|
+165.9% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
2.2%
+259.7% YoY-8.0% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
77.0%
-21.3% YoY-8.3% QoQ
|
+16.4% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$11,675
+35.0% YoY+0.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
44.6%
-1.8% YoY+12.1% QoQ
|
+20.1% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
18
Deposit Growth Rate
growth
Value:
35.96%
Peer Median: -
#18 of 2556
Top 0.7% in <100M tier
27
AMR Growth Rate
growth
Value:
34.98%
Peer Median: -
#27 of 2556
Top 1.0% in <100M tier
41
Asset Growth Rate
growth
Value:
20.97%
Peer Median: -
#41 of 2556
Top 1.6% in <100M tier
112
Members Per Employee (MPE)
engagement
Value:
713.000
Peer Median: -
#112 of 2556
Top 4.3% in <100M tier
240
Net Interest Margin (NIM)
profitability
Value:
5.28%
Peer Median: -
#240 of 2556
Top 9.4% in <100M tier
409
Loan Growth Rate
growth
Value:
7.05%
Peer Median: -
#409 of 2556
Top 16.0% in <100M tier
Top Weaknesses (9 metrics)
2553
Net Worth Ratio
risk
Value:
0.92%
Peer Median: -
#2553 of 2556
Bottom 0.2% in <100M tier
2543
Return on Assets (ROA)
profitability
Value:
-8.54%
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2540
Efficiency Ratio
profitability
Value:
248.41%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2419
Share Certificate Concentration (%)
balance_sheet
Value:
44.55%
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2417
Member Growth Rate
growth
Value:
-9.86%
Peer Median: -
#2417 of 2556
Bottom 5.5% in <100M tier
2096
Total Assets
balance_sheet
Value:
$4.75M
Peer Median: -
#2096 of 2556
Bottom 18.0% in <100M tier
2055
Total Delinquency Rate (60+ days)
risk
Value:
2.22%
Peer Median: -
#2055 of 2556
Bottom 19.6% in <100M tier
2043
Total Members
engagement
Value:
713
Peer Median: -
#2043 of 2556
Bottom 20.1% in <100M tier
1998
Total Deposits
balance_sheet
Value:
$4.70M
Peer Median: -
#1998 of 2556
Bottom 21.9% in <100M tier