BlastPoint's Credit Union Scorecard
EIGHT
Charter #20222 · 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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| 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)
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)