BlastPoint's Credit Union Scorecard
CHAMPION
Charter #20570 · OH
CHAMPION has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.2% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + AMR Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.81% above tier average
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
608
-2.4% YoY-1.5% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$7.1M
+22.6% YoY+4.5% QoQ
|
$-22.7M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$2.8M
-8.9% YoY+0.7% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$6.3M
+25.3% YoY+4.9% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
1.1%
-26.3% YoY-11.2% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
3.0%
-17.5% YoY-3.5% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
66.3%
+6.9% YoY+4.5% QoQ
|
-15.1% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
2.3%
+394.8% YoY+46.1% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
45.0%
-27.3% YoY-4.0% QoQ
|
-16.3% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$14,906
+15.0% YoY+5.1% QoQ
|
+$280 |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
33.1%
+233.6% YoY+3.0% QoQ
|
+8.7% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)