BlastPoint's Credit Union Scorecard
SOFTITE COMMUNITY
Charter #19433 · OH
SOFTITE COMMUNITY demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 1.00% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,822
-0.2% YoY+0.6% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$36.5M
+5.9% YoY+0.1% QoQ
|
+$6.4M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$17.7M
+1.2% YoY+1.3% QoQ
|
+$1.9M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$30.8M
+5.2% YoY-0.3% QoQ
|
+$5.1M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
1.4%
+31.6% YoY+5.3% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.9%
+5.8% YoY+0.9% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
71.7%
-1.4% YoY+0.9% QoQ
|
-10.9% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.5%
-60.8% YoY-2.4% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
57.4%
-3.8% YoY+1.7% QoQ
|
-3.2% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$12,690
+3.9% YoY-0.4% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
13.9%
+38.1% YoY+7.7% QoQ
|
-10.5% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)