BlastPoint's Credit Union Scorecard
SYLVANIA AREA
Charter #17733 · OH
SYLVANIA AREA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Efficiency ratio 0.76% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
- - Asset Growth Rate: Bottom 2.5% in tier
- - Deposit Growth Rate: Bottom 3.1% in tier
- - AMR Growth Rate: Bottom 8.1% in tier
- - Net Interest Margin (NIM): 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 -15.8% year over year ($22.2M in shares and deposits).
- Membership: 1,787 members, -2.3% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 0.45%.
- Efficiency ratio 89.53% vs a 88.77% peer average.
- Loan-to-share ratio 34.55% 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 |
1,787
-2.3% YoY-1.5% QoQ
|
-798 |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$24.2M
-13.9% YoY-4.8% QoQ
|
$-6.0M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$7.7M
+5.1% YoY+1.0% QoQ
|
$-7.8M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$22.2M
-15.8% YoY-5.5% QoQ
|
$-3.6M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.5%
-187.8% YoY+15.8% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
2.7%
+36.8% YoY+6.2% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.8% in tier |
| Efficiency Ratio |
89.5%
-18.3% YoY-5.8% QoQ
|
+0.8% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate | 0.3% | -1.2 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
34.5%
+24.9% YoY+6.8% QoQ
|
-24.3% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$16,752
-9.2% YoY-2.4% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
25.9%
-28.7% YoY-13.8% QoQ
|
+1.3% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
43.8%
+24.2% YoY+2.3% QoQ
|
+30.2% | 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)