BlastPoint's Credit Union Scorecard
S AND J SCHOOL EMPLOYEES
Charter #17331 · OH
S AND J SCHOOL EMPLOYEES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 1.98% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.73% above tier (higher cost structure)
- - Delinquency rate 1.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
624
-1.9% YoY+1.1% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$3.0M
-6.0% YoY+1.6% QoQ
|
$-27.2M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.6% in tier |
| Loans |
$1.9M
-7.1% YoY+1.8% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$2.7M
-7.5% YoY+1.6% QoQ
|
$-23.1M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.0% in tier |
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| ROA |
0.5%
-29.4% YoY-38.2% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
6.0%
+6.2% YoY-3.1% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
92.4%
+3.7% YoY+4.1% QoQ
|
+1.7% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
2.8%
+73.0% YoY+82.1% QoQ
|
+1.3 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.5% in tier |
| Loan To Share |
73.5%
+0.4% YoY+0.3% QoQ
|
+14.9% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$7,371
-5.5% YoY+0.6% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
0.4%
+3.7% YoY-13.6% QoQ
|
-23.9% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 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)