BlastPoint's Credit Union Scorecard
STEEL VALLEY
Charter #17555 · OH
STEEL VALLEY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Efficiency ratio 25.19% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Indirect Auto Concentration (%): Bottom 9.9% in tier
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 +1.4% year over year ($20.1M in shares and deposits).
- Membership: 3,195 members, -3.2% vs a year ago.
- Delinquency rate 1.21%.
- Return on assets 0.50%.
- Efficiency ratio 113.96% vs a 88.77% peer average.
- Loan-to-share ratio 49.84% 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 |
3,195
-3.2% YoY-0.3% QoQ
|
+609 |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$22.3M
+0.2% YoY-1.2% QoQ
|
$-8.0M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$10.0M
-10.7% YoY-1.9% QoQ
|
$-5.4M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$20.1M
+1.4% YoY-0.7% QoQ
|
$-5.7M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.5%
+655.4% YoY-812.5% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
4.2%
-7.7% YoY+2.3% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
114.0%
+14.9% YoY+1.7% QoQ
|
+25.2% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate |
1.2%
-36.3% YoY-58.8% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
49.8%
-11.9% YoY-1.2% QoQ
|
-9.1% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$9,431
+0.2% YoY-0.7% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
3.9%
+34.5% YoY+1.6% QoQ
|
-20.7% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
7.8%
-45.7% YoY-16.6% QoQ
|
-5.9% | 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)