BlastPoint's Credit Union Scorecard
CHAMPION
Charter #20570 · OH
CHAMPION has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.1% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + AMR Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Delinquency rate 3.46% above tier average
- - Member decline: -2.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
- - Share Certificate Concentration (%): Bottom 9.6% in tier
- - Net Interest Margin (NIM): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
599
-2.4% YoY-1.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$7.4M
+23.8% YoY+3.7% QoQ
|
$-22.7M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$2.7M
-6.9% YoY-3.3% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$6.5M
+26.9% YoY+4.5% QoQ
|
$-19.2M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.5%
-46.8% YoY-51.2% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
2.6%
-21.2% YoY-13.8% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio |
80.7%
+16.7% YoY+21.8% QoQ
|
-1.9% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
5.0%
+166.2% YoY+116.0% QoQ
|
+3.5 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 6.1% in tier |
| Loan To Share |
41.6%
-26.6% YoY-7.5% QoQ
|
-19.0% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$15,443
+17.5% YoY+3.6% QoQ
|
+$660 |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
37.4%
+107.6% YoY+12.9% QoQ
|
+13.0% | 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)