BlastPoint's Credit Union Scorecard
TOPMARK
Charter #15438 · OH
TOPMARK has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.19% above tier average
- + Total Members: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Delinquency rate 0.06% above tier average
- - Member decline: -5.2% YoY
- - Indirect Auto Concentration (%): Bottom 4.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits +5.5% year over year ($56.2M in shares and deposits).
- Membership: 8,706 members, -5.2% vs a year ago.
- Delinquency rate 1.60%.
- Return on assets 0.39%.
- Efficiency ratio 84.44% vs a 88.77% peer average.
- Loan-to-share ratio 70.69% vs a 58.89% 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 |
8,706
-5.2% YoY-1.0% QoQ
|
+6.1K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Top 2.4% in tier |
| Assets |
$62.6M
+5.5% YoY+0.6% QoQ
|
+$32.3M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$39.7M
+0.5% YoY+1.2% QoQ
|
+$24.2M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Top 10.3% in tier |
| Deposits |
$56.2M
+5.5% YoY+0.5% QoQ
|
+$30.4M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Top 14.7% in tier |
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| ROA |
0.4%
-42.9% YoY+12.4% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
5.1%
-2.2% YoY+0.9% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 10.5% in tier |
| Efficiency Ratio |
84.4%
+4.9% YoY-0.3% QoQ
|
-4.3% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
1.6%
-22.0% YoY-2.5% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
70.7%
-4.8% YoY+0.6% QoQ
|
+11.8% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$11,011
+9.0% YoY+1.8% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
12.8%
+4.3% YoY+4.5% QoQ
|
-11.7% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
22.2%
-29.2% YoY-33.2% QoQ
|
+8.6% | 13.6% | 11.9% | 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)