BlastPoint's Credit Union Scorecard
MINERVA AREA
Charter #20622 · OH
MINERVA AREA has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 1.05% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Net Charge-Off Rate: Bottom 2.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,365
-2.4% YoY-2.2% QoQ
|
-311 |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
59% |
| Assets |
$17.6M
+6.7% YoY+7.7% QoQ
|
$-12.6M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$7.4M
+0.5% YoY+1.4% QoQ
|
$-7.9M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$14.9M
+6.1% YoY+8.8% QoQ
|
$-10.9M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
1.1%
+46.1% YoY-21.1% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
5.1%
-8.0% YoY-9.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 10.9% in tier |
| Efficiency Ratio |
69.4%
-1.6% YoY-1.7% QoQ
|
-21.2% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.5%
-23.2% YoY-62.9% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
42% |
| Loan To Share |
49.5%
-5.3% YoY-6.7% QoQ
|
-9.0% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$9,431
+6.7% YoY+8.6% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
23.6%
+23.8% YoY+0.5% QoQ
|
-0.7% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 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)