BlastPoint's Credit Union Scorecard
EIGHT
Charter #20222 · OH
EIGHT demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.7% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + Deposit Growth Rate: Top 3.9% in tier
- + Efficiency Ratio: Top 9.7% in tier
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 |
2,477
+2.1% YoY+0.3% QoQ
|
-138 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$24.4M
+14.7% YoY+4.7% QoQ
|
$-5.7M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$8.2M
+2.0% YoY+0.1% QoQ
|
$-7.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$20.7M
+14.9% YoY+5.6% QoQ
|
$-4.9M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
1.6%
-23.6% YoY-10.0% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 13.7% in tier |
| NIM |
3.5%
-15.4% YoY-1.7% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
58.6%
+9.7% YoY+5.8% QoQ
|
-24.0% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 9.7% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
39.8%
-11.3% YoY-5.2% QoQ
|
-20.9% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$11,707
+8.6% YoY+3.6% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
18.7%
+107.7% YoY+3.3% QoQ
|
-5.7% | 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)