BlastPoint's Credit Union Scorecard

TOPMARK

Charter #15438 · OH

<100M

2556 CUs in <100M nationally 118 in OH

TOPMARK has 2 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

+ Net Interest Margin 1.41% above tier average
+ Total Members: Top 2.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.06% below tier average
- Delinquency rate 0.49% above tier average
- Member decline: -4.1% YoY
- Indirect Auto Concentration (%): Bottom 4.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	8,916 -4.1% YoY-1.7% QoQ	+6.3K	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	Top 2.4% in tier
Assets	$60.5M +4.5% YoY+2.5% QoQ	+$30.3M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	83%
Loans	$39.6M +0.9% YoY-1.0% QoQ	+$23.8M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	Top 10.7% in tier
Deposits	$54.1M +4.4% YoY+2.8% QoQ	+$28.4M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	84%

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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	0.6% -17.7% YoY-8.8% QoQ	-0.1%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	43%
NIM	5.4% +12.4% YoY+0.7% QoQ	+1.4%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	Top 8.5% in tier
Efficiency Ratio	81.4% -2.9% YoY-0.2% QoQ	-1.1%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	54%
Delinquency Rate	2.0% -15.3% YoY-7.5% QoQ	+0.5	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	79%
Loan To Share	73.1% -3.3% YoY-3.7% QoQ	+12.5%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	68%
AMR	$10,508 +7.3% YoY+2.9% QoQ	$-4K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	31%
CD Concentration	13.0% +8.5% YoY-3.2% QoQ	-11.4%	24.4%	19.4%	19.8%	50%
Indirect Auto %	30.4% +3.1% YoY+0.7% QoQ	+16.6%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 8,916

Peer Median: -

#61 of 2556 Top 2.3% in <100M tier

217

Net Interest Margin (NIM)

profitability

Value: 5.37%

Peer Median: -

#217 of 2556 Top 8.5% in <100M tier

273

Total Loans

balance_sheet

Value: $39.57M

Peer Median: -

#273 of 2556 Top 10.6% in <100M tier

408

Total Deposits

balance_sheet

Value: $54.12M

Peer Median: -

#408 of 2556 Top 15.9% in <100M tier

434

Total Assets

balance_sheet

Value: $60.48M

Peer Median: -

#434 of 2556 Top 16.9% in <100M tier

437

AMR Growth Rate

growth

Value: 7.33%

Peer Median: -

#437 of 2556 Top 17.1% in <100M tier

580

Fee Income Per Member

profitability

Value: $124.41

Peer Median: -

#580 of 2556 Top 22.7% in <100M tier

Top Weaknesses (5 metrics)

2456

Indirect Auto Concentration (%)

balance_sheet

Value: 30.43%

Peer Median: -

#2456 of 2556 Bottom 4.0% in <100M tier

2206

Net Charge-Off Rate

risk

Value: 1.13%

Peer Median: -

#2206 of 2556 Bottom 13.7% in <100M tier

2072

Net Worth Ratio

risk

Value: 10.35%

Peer Median: -

#2072 of 2556 Bottom 19.0% in <100M tier

2013

Total Delinquency Rate (60+ days)

risk

Value: 2.05%

Peer Median: -

#2013 of 2556 Bottom 21.3% in <100M tier

1990

Member Growth Rate

growth

Value: -4.12%

Peer Median: -

#1990 of 2556 Bottom 22.2% in <100M tier