BlastPoint's Credit Union Scorecard
DOY
Charter #20661 · OH
DOY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 1.1% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 4.7% in tier
- + Deposit Growth Rate: Top 7.2% in tier
- + Asset Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Member decline: -6.9% YoY
- - First Mortgage Concentration (%): Bottom 1.1% in tier
- - Net Interest Margin (NIM): Bottom 1.4% in tier
- - Member Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,102
-6.9% YoY-0.7% QoQ
|
-513 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$69.3M
+10.5% YoY+3.6% QoQ
|
+$39.1M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 12.9% in tier |
| Loans |
$25.3M
+3.8% YoY-1.8% QoQ
|
+$9.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$59.5M
+11.7% YoY+4.1% QoQ
|
+$33.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 12.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-21.6% YoY+2.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
1.2%
-13.0% YoY+0.2% QoQ
|
-2.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
62.9%
+7.3% YoY-1.9% QoQ
|
-19.6% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 14.9% in tier |
| Delinquency Rate |
0.0%
-37.1% YoY
|
-1.5 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 14.8% in tier |
| Loan To Share |
42.5%
-7.1% YoY-5.7% QoQ
|
-18.2% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$40,344
+17.4% YoY+3.0% QoQ
|
+$26K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 1.2% in tier |
| CD Concentration | 0.0% | -24.4% | 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)