BlastPoint's Credit Union Scorecard

WAYNE COUNTY COMMUNITY

Charter #17449 · OH

<100M

2508 CUs in <100M nationally 116 in OH

WAYNE COUNTY COMMUNITY has 3 strengths but faces 1 concern

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 0.54% above tier average
+ Loan Growth Rate: Top 5.5% in tier
+ AMR Growth Rate: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -6.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	4,358 -6.1% YoY-0.3% QoQ	+1.7K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	82%
Assets	$54.1M +2.2% YoY+2.0% QoQ	+$23.9M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	79%
Loans	$19.3M +15.4% YoY+0.0% QoQ	+$4.0M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	70%
Deposits	$48.0M +1.5% YoY+2.0% QoQ	+$22.2M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	81%

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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	0.7% -20.2% YoY-29.4% QoQ	+0.5%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	54%
NIM	3.8% +14.6% YoY+4.6% QoQ	-0.2%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	73.1% -9.4% YoY-3.8% QoQ	-17.5%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	31%
Delinquency Rate	1.1% -36.6% YoY-55.7% QoQ	-0.4	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	67%
Loan To Share	40.2% +13.7% YoY-1.9% QoQ	-18.3%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	22%
AMR	$15,440 +12.0% YoY+1.8% QoQ	+$556	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	58%
CD Concentration	14.9% +17.3% YoY-1.3% QoQ	-9.3%	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 (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

138

Loan Growth Rate

growth

Value: 15.37%

Peer Median: -2.36%

#138 of 2508 Top 5.5% in <100M tier

177

AMR Growth Rate

growth

Value: 11.95%

Peer Median: 1.27%

#177 of 2508 Top 7.0% in <100M tier

455

Total Members

engagement

Value: 4,358

Peer Median: 1,918

#455 of 2508 Top 18.1% in <100M tier

485

Total Deposits

balance_sheet

Value: $48.01M

Peer Median: $18.77M

#485 of 2508 Top 19.3% in <100M tier

519

Total Assets

balance_sheet

Value: $54.10M

Peer Median: $21.86M

#519 of 2508 Top 20.7% in <100M tier

Top Weaknesses (4 metrics)

2183

Member Growth Rate

growth

Value: -6.10%

Peer Median: -1.37%

#2183 of 2508 Bottom 13.0% in <100M tier

2084

Net Charge-Off Rate

risk

Value: 0.84%

Peer Median: 0.07%

#2084 of 2508 Bottom 16.9% in <100M tier

1948

Loan-to-Share Ratio

balance_sheet

Value: 40.16%

Peer Median: 58.72%

#1948 of 2508 Bottom 22.4% in <100M tier

1908

Net Worth Ratio

risk

Value: 10.91%

Peer Median: 14.28%

#1908 of 2508 Bottom 24.0% in <100M tier