BlastPoint's Credit Union Scorecard
S AND J SCHOOL EMPLOYEES
Charter #17331 · OH
S AND J SCHOOL EMPLOYEES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.03% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Efficiency ratio 3.22% above tier (higher cost structure)
- - Delinquency rate 1.61% above tier average
- - Member decline: -4.7% YoY
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 -2.6% year over year ($2.7M in shares and deposits).
- Membership: 610 members, -4.7% vs a year ago.
- Delinquency rate 3.16%.
- Return on assets 0.46%.
- Efficiency ratio 91.98% vs a 88.77% peer average.
- Loan-to-share ratio 70.29% 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 |
610
-4.7% YoY-2.2% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$3.1M
-1.7% YoY+2.3% QoQ
|
$-27.2M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.8% in tier |
| Loans |
$1.9M
-7.3% YoY-1.9% QoQ
|
$-13.5M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$2.7M
-2.6% YoY+2.5% QoQ
|
$-23.1M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.4% in tier |
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| ROA |
0.5%
-41.9% YoY+2.1% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
5.9%
+1.6% YoY-1.1% QoQ
|
+2.0% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
92.0%
+5.7% YoY-0.4% QoQ
|
+3.2% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
3.2%
+107.7% YoY+13.2% QoQ
|
+1.6 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
70.3%
-4.8% YoY-4.3% QoQ
|
+11.4% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$7,585
+0.1% YoY+2.9% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
0.0%
-100.0% YoY-100.0% QoQ
|
-24.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)