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 0.64% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 14.81% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Member decline: -6.9% YoY
- - Indirect Auto Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,281
-6.9% YoY-0.6% QoQ
|
+655 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$21.6M
-3.2% YoY-2.8% QoQ
|
$-8.2M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$10.9M
-9.3% YoY-3.2% QoQ
|
$-4.9M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$19.3M
-3.1% YoY-2.7% QoQ
|
$-6.2M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
52% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-75.8% YoY+26.5% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
4.6%
-6.0% YoY+0.9% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
96.2%
+11.2% YoY-3.0% QoQ
|
+14.8% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 14.6% in tier |
| Delinquency Rate |
1.9%
-39.6% YoY-2.4% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
56.3%
-6.4% YoY-0.5% QoQ
|
-5.0% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$9,194
+1.6% YoY-2.3% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
3.1%
+41.8% YoY+7.3% QoQ
|
-21.3% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.5%
-40.8% YoY-12.5% QoQ
|
-1.5% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)