✦ Missed CU Wrapped 2025? Read the full Year in Review →

BlastPoint's Credit Union Scorecard

MEDINA COUNTY

Charter #13794 · OH

100M-500M
1024 CUs in 100M-500M nationally 40 in OH

MEDINA COUNTY has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?
OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 50.0% in tier
  • + Wallet Share Momentum: Top 50.0% in tier
  • + ROA 0.84% above tier average
  • + Net Charge-Off Rate: Top 0.4% in tier
  • + Total Delinquency Rate (60+ days): Top 4.9% in tier
  • + Asset Growth Rate: Top 5.6% in tier
  • + Efficiency Ratio: Top 6.0% in tier
  • + Deposit Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Indirect Auto Concentration (%): Bottom 9.2% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
  • Shares and deposits +10.4% year over year ($136M in shares and deposits).
  • Membership: 10,268 members, +2.7% vs a year ago.
  • Delinquency rate 0.09%.
  • Return on assets 1.70%.
  • Efficiency ratio 57.22% vs a 76.73% peer average.
  • Loan-to-share ratio 67.45% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 10,268
+2.7% YoY+0.9% QoQ
 -4.9K 15,168
-2.6% YoY
 18,978
+16.2% YoY
 34,678
+6.6% YoY
 34%
Assets $151.3M
+11.5% YoY+1.3% QoQ
 $-80.7M $232.0M
+0.7% YoY
 $292.1M
+20.6% YoY
 $593.1M
+10.2% YoY
 31%
Loans $91.5M
+9.9% YoY+5.4% QoQ
 $-54.8M $146.3M
+0.2% YoY
 $203.0M
+21.8% YoY
 $418.6M
+10.1% YoY
 30%
Deposits $135.6M
+10.4% YoY+1.2% QoQ
 $-65.1M $200.7M
+0.2% YoY
 $251.0M
+21.0% YoY
 $504.8M
+10.3% YoY
 33%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.7%
+12.8% YoY+4.1% QoQ
 +0.8% 0.9%
+12.5% YoY
 0.9%
+55.0% YoY
 1.2%
+121.4% YoY
 Top 7.6% in tier
NIM 3.3%
+1.5% YoY+0.8% QoQ
 -0.4% 3.7%
+4.5% YoY
 3.7%
+2.2% YoY
 3.8%
+2.3% YoY
 26%
Efficiency Ratio 57.2%
-2.6% YoY-1.8% QoQ
 -19.5% 76.7%
-0.8% YoY
 79.2%
-2.1% YoY
 83.0%
-5.3% YoY
 Top 6.0% in tier
Delinquency Rate 0.1%
-13.8% QoQ
 -0.8 0.9%
+6.6% YoY
 1.1%
-6.2% YoY
 1.3%
+2.6% YoY
 Top 4.9% in tier
Loan To Share 67.5%
-0.5% YoY+4.1% QoQ
 -4.1% 71.5%
-0.3% YoY
 60.7%
-4.2% YoY
 66.4%
-1.4% YoY
 38%
AMR $22,113
+7.3% YoY+1.9% QoQ
 $-3K $25,107
+3.2% YoY
 $18,171
+7.2% YoY
 $20,028
-0.9% YoY
 44%
CD Concentration 19.5%
+23.2% YoY+4.1% QoQ
 -5.1% 24.6% 19.2% 20.0% 50%
Indirect Auto % 37.2%
+11.1% YoY+2.6% QoQ
 +23.6% 13.6% 11.9% 7.7% 50%

Signature Analysis

Strengths (2)

Emerging Performer

growth
#45 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.70%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Member Growth (YoY): 2.72%
(Tier: 0.46%, National: 15.67%)
better than tier avg
175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally
→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Wallet Share Momentum

growth
#264 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.30%
(Tier: 3.97%, National: 35.20%)
better than tier avg
483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally
↑ Growing +52 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#34 of 476 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 11.48%
(Tier: 4.62%, National: 3.30%)
but better than tier avg
Indirect Auto %: 37.20%
(Tier: 13.63%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 2.72%
(Tier: 0.46%, National: 15.67%)
but better than tier avg
476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally
↓ Shrinking -57 CUs YoY | Rank improving

Credit Risk Growth

risk
#224 of 472 • Bottom 50.0% in tier

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

Why This Signature
Loan Growth (YoY): 9.89%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk
#547 of 693 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (11 metrics)

5
Net Charge-Off Rate
risk
Value: -0.09%
Peer Median: 0.34%
#5 of 1024 Top 0.4% in 100M-500M tier
51
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Median: 0.71%
#51 of 1024 Top 4.9% in 100M-500M tier
58
Asset Growth Rate
growth
Value: 11.48%
Peer Median: 4.12%
#58 of 1024 Top 5.6% in 100M-500M tier
62
Efficiency Ratio
profitability
Value: 57.22%
Peer Median: 77.26%
#62 of 1024 Top 6.0% in 100M-500M tier
78
Return on Assets (ROA)
profitability
Value: 1.70%
Peer Median: 0.75%
#78 of 1024 Top 7.5% in 100M-500M tier
85
Deposit Growth Rate
growth
Value: 10.43%
Peer Median: 3.58%
#85 of 1024 Top 8.2% in 100M-500M tier
145
Members Per Employee (MPE)
engagement
Value: 427.833
Peer Median: 310.924
#145 of 1024 Top 14.1% in 100M-500M tier
166
First Mortgage Concentration (%)
balance_sheet
Value: 12.74%
Peer Median: 29.92%
#166 of 1024 Top 16.1% in 100M-500M tier
167
Loan Growth Rate
growth
Value: 9.89%
Peer Median: 3.02%
#167 of 1024 Top 16.2% in 100M-500M tier
205
AMR Growth Rate
growth
Value: 7.30%
Peer Median: 3.53%
#205 of 1024 Top 19.9% in 100M-500M tier

Top Weaknesses (2 metrics)

931
Indirect Auto Concentration (%)
balance_sheet
Value: 37.20%
Peer Median: 6.15%
#931 of 1024 Bottom 9.2% in 100M-500M tier
839
Fee Income Per Member
profitability
Value: $105.20
Peer Median: $159.88
#839 of 1024 Bottom 18.2% in 100M-500M tier
Link copied to clipboard!