BlastPoint's Credit Union Scorecard
S AND J SCHOOL EMPLOYEES
Charter #17331 · OH
S AND J SCHOOL EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 2.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.14% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Asset Growth Rate: Bottom 9.4% in tier
- - Deposit Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
617
-3.9% YoY-1.1% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$3.0M
-6.7% YoY-3.9% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.6% in tier |
| Loans |
$1.9M
-8.1% YoY-3.1% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.6M
-8.3% YoY-4.3% QoQ
|
$-23.1M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.0% in tier |
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| ROA |
0.7%
-21.0% YoY-16.7% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
6.2%
+9.0% YoY+1.4% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
88.7%
+4.3% YoY+2.9% QoQ
|
+6.1% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.5%
+85.8% YoY+172.4% QoQ
|
-0.0 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
73.3%
+0.2% YoY+1.3% QoQ
|
+12.6% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$7,331
-4.5% YoY-2.7% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
0.4%
+39.6% YoY-27.1% QoQ
|
-24.0% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)