BlastPoint's Credit Union Scorecard
MT ZION WOODLAWN
Charter #18562 · OH
2556 CUs in <100M nationally
118 in OH
MT ZION WOODLAWN has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 44.27% above tier average
- - Member decline: -3.0% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Total Assets: Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
- - Total Loans: Bottom 0.9% in tier
- - Total Deposits: Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Total Members: Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
161
-3.0% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 3.4% in tier |
| Assets |
$137,747
+0.8% YoY+2.1% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.5% in tier |
| Loans |
$7,972
-14.3% YoY-8.3% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.9% in tier |
| Deposits |
$123,707
-0.3% YoY+2.3% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.9% in tier |
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| ROA |
1.1%
-13.7% YoY-26.5% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.0%
-14.1% YoY-18.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
64.6%
+1.7% YoY+5.9% QoQ
|
-17.9% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
45.8%
+9.0% QoQ
|
+44.3 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 0.6% in tier |
| Loan To Share |
6.4%
-14.1% YoY-10.4% QoQ
|
-54.2% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.2% in tier |
| AMR |
$817.9
+1.8% YoY+1.6% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
446
Efficiency Ratio
profitability
Value:
64.64%
Peer Median: -
#446 of 2556
Top 17.4% in <100M tier
Top Weaknesses (13 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2542
Total Delinquency Rate (60+ days)
risk
Value:
45.82%
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2542
Total Assets
balance_sheet
Value:
$137,747
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2538
Average Member Relationship (AMR)
engagement
Value:
$817.88
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2534
Loan-to-Member Ratio (LMR)
engagement
Value:
$49.52
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2533
Total Loans
balance_sheet
Value:
$7,972
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2532
Total Deposits
balance_sheet
Value:
$123,707
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2524
Loan-to-Share Ratio
balance_sheet
Value:
6.44%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2470
Total Members
engagement
Value:
161
Peer Median: -
#2470 of 2556
Bottom 3.4% in <100M tier
2364
Fee Income Per Member
profitability
Value:
$1.31
Peer Median: -
#2364 of 2556
Bottom 7.6% in <100M tier