BlastPoint's Credit Union Scorecard
STEEL VALLEY
Charter #17555 · OH
STEEL VALLEY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 16.33% above tier (higher cost structure)
- - Member decline: -7.9% YoY
- - Member Growth Rate: Bottom 7.9% in tier
- - Indirect Auto Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,224
-7.9% YoY-1.7% QoQ
|
+608 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$22.1M
-0.6% YoY+2.3% QoQ
|
$-8.0M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$10.6M
-11.0% YoY-2.8% QoQ
|
$-5.2M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$19.9M
-0.2% YoY+2.9% QoQ
|
$-5.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
-0.2%
-604.8% YoY-303.6% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.9% in tier |
| NIM |
4.5%
-7.5% YoY-1.1% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
98.9%
+12.8% YoY+2.8% QoQ
|
+16.3% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 12.4% in tier |
| Delinquency Rate |
1.4%
-27.4% YoY-24.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
53.1%
-10.8% YoY-5.6% QoQ
|
-7.5% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$9,437
+4.1% YoY+2.6% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
4.2%
+99.8% YoY+37.2% QoQ
|
-20.2% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
11.0%
-39.9% YoY-12.4% QoQ
|
-2.8% | 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)