BlastPoint's Credit Union Scorecard
DOY
Charter #20661 · OH
DOY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.61% above tier average
- + Average Member Relationship (AMR): Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.8% in tier
- + AMR Growth Rate: Top 4.3% in tier
- + Efficiency Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.1% YoY
- - First Mortgage Concentration (%): Bottom 1.0% in tier
- - Net Interest Margin (NIM): Bottom 2.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,078
-7.1% YoY-1.1% QoQ
|
-598 |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$70.1M
+7.3% YoY+1.1% QoQ
|
+$39.9M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 12.2% in tier |
| Loans |
$26.2M
+7.5% YoY+3.9% QoQ
|
+$11.0M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
79% |
| Deposits |
$60.2M
+7.9% YoY+1.1% QoQ
|
+$34.4M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Top 12.1% in tier |
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| ROA |
0.8%
+51.7% YoY+63.7% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
1.5%
+16.4% YoY+20.1% QoQ
|
-2.5% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio |
49.8%
-18.7% YoY-20.8% QoQ
|
-40.8% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Top 4.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
15% |
| Loan To Share |
43.6%
-0.4% YoY+2.7% QoQ
|
-14.9% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$41,594
+16.0% YoY+3.1% QoQ
|
+$27K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Top 1.0% in tier |
| CD Concentration | 0.0% | -24.3% | 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)