BlastPoint's Credit Union Scorecard

SOLON/CHAGRIN FALLS

Charter #15451 · OH

<100M

2508 CUs in <100M nationally 116 in OH

SOLON/CHAGRIN FALLS has 1 strength but faces 3 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

+ ROA 0.65% above tier average

Key Concerns

Areas that may need attention

- Member decline: -8.1% YoY
- Members Per Employee (MPE): Bottom 7.8% in tier
- Member Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	611 -8.1% YoY-2.2% QoQ	-2.1K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	16%
Assets	$9.7M -2.0% YoY+1.2% QoQ	$-20.5M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	31%
Loans	$3.0M -7.2% YoY-2.7% QoQ	$-12.2M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	24%
Deposits	$7.7M -3.3% YoY+1.4% QoQ	$-18.0M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	30%

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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	0.8% -2.1% YoY-11.7% QoQ	+0.6%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	59%
NIM	2.9% +5.0% YoY-1.0% QoQ	-1.1%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	73.2% +2.7% YoY+4.5% QoQ	-17.4%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	31%
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	17%
Loan To Share	39.2% -4.0% YoY-4.0% QoQ	-19.3%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	21%
AMR	$17,644 +4.0% YoY+2.5% QoQ	+$3K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	68%
CD Concentration	24.1% -0.8% YoY-1.3% QoQ	-0.2%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.4%	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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

431

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.65%

#431 of 2508 Top 17.1% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

598

Net Worth Ratio

risk

Value: 19.47%

Peer Median: 14.28%

#598 of 2508 Top 23.8% in <100M tier

Top Weaknesses (7 metrics)

2314

Members Per Employee (MPE)

engagement

Value: 122.200

Peer Median: 333.750

#2314 of 2508 Bottom 7.8% in <100M tier

2297

Member Growth Rate

growth

Value: -8.12%

Peer Median: -1.37%

#2297 of 2508 Bottom 8.5% in <100M tier

2206

Fee Income Per Member

profitability

Value: $2.95

Peer Median: $60.42

#2206 of 2508 Bottom 12.1% in <100M tier

2093

Total Members

engagement

Value: 611

Peer Median: 1,918

#2093 of 2508 Bottom 16.6% in <100M tier

2092

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: 3.83%

#2092 of 2508 Bottom 16.6% in <100M tier

1982

Loan-to-Share Ratio

balance_sheet

Value: 39.16%

Peer Median: 58.72%

#1982 of 2508 Bottom 21.0% in <100M tier

1899

Total Loans

balance_sheet

Value: $3.03M

Peer Median: $9.48M

#1899 of 2508 Bottom 24.3% in <100M tier