BlastPoint's Credit Union Scorecard
MINERVA AREA
Charter #20622 · OH
MINERVA AREA has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + Asset Growth Rate: Top 6.8% in tier
- + Deposit Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Net Charge-Off Rate: Bottom 4.2% in tier
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 +10.3% year over year ($15.1M in shares and deposits).
- Membership: 2,409 members, -1.5% vs a year ago.
- Delinquency rate 0.14%.
- Return on assets 1.34%.
- Efficiency ratio 69.97% vs a 88.77% peer average.
- Loan-to-share ratio 50.89% 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 |
2,409
-1.5% YoY+1.9% QoQ
|
-176 |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$17.9M
+10.1% YoY+1.5% QoQ
|
$-12.4M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$7.7M
+2.1% YoY+4.1% QoQ
|
$-7.8M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$15.1M
+10.3% YoY+1.3% QoQ
|
$-10.7M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
1.3%
-3.0% YoY+19.4% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
5.1%
-6.1% YoY+1.5% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 9.8% in tier |
| Efficiency Ratio |
70.0%
+2.1% YoY+0.8% QoQ
|
-18.8% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.1%
-78.4% YoY-70.4% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
50.9%
-7.4% YoY+2.7% QoQ
|
-8.0% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$9,463
+9.0% YoY+0.3% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
23.6%
+22.3% YoY-0.1% QoQ
|
-0.9% | 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)