BlastPoint's Credit Union Scorecard
DOY
Charter #20661 · OH
DOY has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 0.8% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Efficiency Ratio: Top 4.2% in tier
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Member decline: -3.2% YoY
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Net Interest Margin (NIM): Bottom 1.7% 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 +6.1% year over year ($60.8M in shares and deposits).
- Membership: 2,067 members, -3.2% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 0.75%.
- Efficiency ratio 49.86% vs a 88.77% peer average.
- Loan-to-share ratio 44.91% 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 |
2,067
-3.2% YoY-0.5% QoQ
|
-518 |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$70.8M
+5.8% YoY+1.1% QoQ
|
+$40.5M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Top 12.3% in tier |
| Loans |
$27.3M
+6.9% YoY+4.0% QoQ
|
+$11.8M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$60.8M
+6.1% YoY+1.0% QoQ
|
+$35.0M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Top 11.9% in tier |
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| ROA |
0.8%
+53.6% YoY+0.3% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
1.5%
+18.1% YoY+0.3% QoQ
|
-2.4% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio |
49.9%
-19.0% YoY+0.1% QoQ
|
-38.9% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Top 4.2% in tier |
| Delinquency Rate | 0.3% | -1.3 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
44.9%
+0.8% YoY+3.0% QoQ
|
-14.0% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$42,612
+9.9% YoY+2.4% QoQ
|
+$28K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Top 0.8% in tier |
| CD Concentration | 0.0% | -24.6% | 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)