BlastPoint's Credit Union Scorecard
STEEL VALLEY
Charter #17555 · OH
STEEL VALLEY has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Net Charge-Off Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 21.44% above tier (higher cost structure)
- - Delinquency rate 1.44% above tier average
- - Member decline: -7.7% YoY
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
- - Member Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,206
-7.7% YoY-0.6% QoQ
|
+529 |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$22.6M
-0.4% YoY+2.0% QoQ
|
$-7.6M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$10.2M
-11.7% YoY-3.2% QoQ
|
$-5.1M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$20.3M
+0.1% YoY+1.9% QoQ
|
$-5.5M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
-0.1%
-135.8% YoY-58.8% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
4.1%
-10.8% YoY-9.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
112.1%
+11.8% YoY+13.3% QoQ
|
+21.4% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
2.9%
+54.3% YoY+110.3% QoQ
|
+1.4 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.9% in tier |
| Loan To Share |
50.4%
-11.7% YoY-5.0% QoQ
|
-8.1% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$9,502
+3.7% YoY+0.7% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
3.8%
+33.9% YoY-10.2% QoQ
|
-20.5% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
9.3%
-42.4% YoY-15.1% QoQ
|
-4.5% | 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)