BlastPoint's Credit Union Scorecard
S T O F F E
Charter #16682 · OH
S T O F F E has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.06% above tier average
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Deposit Growth Rate: Bottom 3.8% in tier
- - AMR Growth Rate: Bottom 4.1% in tier
- - Loan Growth Rate: Bottom 4.4% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
- - Average Member Relationship (AMR): Bottom 5.2% in tier
Core Metrics
As of 2025-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,511
-4.1% YoY-0.8% QoQ
|
-1.1K |
2,629
-2.0% YoY
|
16,334
+4.5% YoY
|
32,521
+5.8% YoY
|
40% |
| Assets |
$4.3M
-10.4% YoY-4.4% QoQ
|
$-25.6M |
$29.8M
+1.2% YoY
|
$242.1M
+8.5% YoY
|
$538.5M
+7.5% YoY
|
17% |
| Loans |
$1.9M
-23.5% YoY-8.5% QoQ
|
$-13.9M |
$15.7M
-2.4% YoY
|
$166.7M
+7.5% YoY
|
$380.3M
+7.9% YoY
|
17% |
| Deposits |
$3.0M
-13.2% YoY-5.7% QoQ
|
$-22.5M |
$25.5M
+0.5% YoY
|
$207.4M
+9.9% YoY
|
$457.8M
+8.9% YoY
|
16% |
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| ROA |
-0.1%
-107.8% YoY-96.3% QoQ
|
-0.5% |
0.4%
-286.0% YoY
|
0.6%
+10.9% YoY
|
0.6%
+423.1% YoY
|
15% |
| NIM |
4.9%
-4.8% YoY+3.4% QoQ
|
+1.1% |
3.9%
+4.0% YoY
|
3.7%
+3.0% YoY
|
3.7%
+5.1% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
78.1%
+5.0% YoY-45.8% QoQ
|
-17.2% |
95.4%
-43.8% YoY
|
80.9%
+0.2% YoY
|
87.6%
-34.8% YoY
|
47% |
| Delinquency Rate |
0.2%
-90.1% YoY-94.6% QoQ
|
-1.3 |
1.5%
+6.5% YoY
|
1.2%
+21.7% YoY
|
1.2%
+6.5% YoY
|
27% |
| Loan To Share |
62.3%
-11.9% YoY-3.0% QoQ
|
+1.5% |
60.8%
-3.4% YoY
|
63.3%
-3.3% YoY
|
67.3%
-2.3% YoY
|
52% |
| AMR |
$3,227
-13.9% YoY-6.1% QoQ
|
$-13K |
$16,056
+3.2% YoY
|
$16,956
+5.2% YoY
|
$20,202
+3.7% YoY
|
Bottom 5.1% in tier |
| CD Concentration |
11.3%
+17.7% YoY+6.6% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 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)