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BlastPoint's Credit Union Scorecard

EIGHT

Charter #20222 · OH

<100M
2437 CUs in <100M nationally 97 in OH

EIGHT demonstrates 4 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.08% above tier average
  • + Members Per Employee (MPE): Top 2.5% in tier
  • + Member Growth Rate: Top 8.4% in tier
  • + Efficiency Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

No key concerns identified

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 +4.7% year over year ($21.4M in shares and deposits).
  • Membership: 2,543 members, +4.0% vs a year ago.
  • Delinquency rate 0.02%.
  • Return on assets 1.57%.
  • Efficiency ratio 57.50% vs a 88.77% peer average.
  • Loan-to-share ratio 37.91% 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 2,543
+4.0% YoY+1.3% QoQ
-42 2,585
-1.7% YoY
18,978
+16.2% YoY
34,678
+6.6% YoY
61%
Assets $25.3M
+5.7% YoY+0.5% QoQ
$-5.0M $30.3M
+1.5% YoY
$292.1M
+20.6% YoY
$593.1M
+10.2% YoY
54%
Loans $8.1M
-3.1% YoY-3.8% QoQ
$-7.4M $15.5M
-1.7% YoY
$203.0M
+21.8% YoY
$418.6M
+10.1% YoY
46%
Deposits $21.4M
+4.7% YoY+0.0% QoQ
$-4.4M $25.8M
+1.1% YoY
$251.0M
+21.0% YoY
$504.8M
+10.3% YoY
54%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.6%
-8.3% YoY+10.0% QoQ
+0.1% 1.5%
+241.5% YoY
0.9%
+55.0% YoY
1.2%
+121.4% YoY
82%
NIM 3.3%
-9.8% YoY+3.7% QoQ
-0.6% 3.9%
+0.9% YoY
3.7%
+2.2% YoY
3.8%
+2.3% YoY
28%
Efficiency Ratio 57.5%
+1.9% YoY-4.8% QoQ
-31.3% 88.8%
-6.9% YoY
79.2%
-2.1% YoY
83.0%
-5.3% YoY
Top 9.5% in tier
Delinquency Rate 0.0% -1.5 1.5%
+2.1% YoY
1.1%
-6.2% YoY
1.3%
+2.6% YoY
Top 14.3% in tier
Loan To Share 37.9%
-7.5% YoY-3.8% QoQ
-21.0% 58.9%
-3.1% YoY
60.7%
-4.2% YoY
66.4%
-1.4% YoY
19%
AMR $11,595
-1.5% YoY-2.3% QoQ
$-3K $14,963
-6.8% YoY
$18,171
+7.2% YoY
$20,028
-0.9% YoY
36%
CD Concentration 19.9%
+41.6% YoY+3.3% QoQ
-4.6% 24.6% 19.2% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 11.9% 7.7% 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)

Comparing against 2437 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.59%
#1 of 2437 Top 0.1% in <100M tier
61
Members Per Employee (MPE)
engagement
Value: 847.667
Peer Median: 328.333
#61 of 2437 Top 2.5% in <100M tier
206
Member Growth Rate
growth
Value: 4.01%
Peer Median: -1.37%
#206 of 2437 Top 8.4% in <100M tier
232
Efficiency Ratio
profitability
Value: 57.50%
Peer Median: 80.65%
#232 of 2437 Top 9.5% in <100M tier
272
Net Charge-Off Rate
risk
Value: -0.02%
Peer Median: 0.18%
#272 of 2437 Top 11.1% in <100M tier
349
Total Delinquency Rate (60+ days)
risk
Value: 0.02%
Peer Median: 0.70%
#349 of 2437 Top 14.3% in <100M tier
450
Return on Assets (ROA)
profitability
Value: 1.57%
Peer Median: 0.81%
#450 of 2437 Top 18.4% in <100M tier
525
Asset Growth Rate
growth
Value: 5.66%
Peer Median: 1.25%
#525 of 2437 Top 21.5% in <100M tier

Top Weaknesses (1 metrics)

1963
Loan-to-Share Ratio
balance_sheet
Value: 37.91%
Peer Median: 58.67%
#1963 of 2437 Bottom 19.5% in <100M tier
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