BlastPoint's Credit Union Scorecard

CINCINNATI HEALTHCARE ASSOCIATES

Charter #21157 · OH

<100M
2508 CUs in <100M nationally 116 in OH

CINCINNATI HEALTHCARE ASSOCIATES has 2 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.05% above tier average
  • + Net Interest Margin 0.96% above tier average

Key Concerns

Areas that may need attention

  • - Member decline: -5.8% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 3,161
-5.8% YoY-0.1% QoQ
+484 2,676
+1.6% YoY
16,936
+6.2% YoY
33,913
+5.7% YoY
70%
Assets $20.2M
+1.5% YoY+4.3% QoQ
$-10.0M $30.2M
+1.3% YoY
$257.9M
+8.7% YoY
$578.3M
+9.0% YoY
48%
Loans $8.8M
-4.1% YoY-0.8% QoQ
$-6.5M $15.3M
-2.0% YoY
$174.2M
+8.4% YoY
$402.4M
+8.7% YoY
48%
Deposits $17.1M
+1.4% YoY+4.6% QoQ
$-8.6M $25.8M
+0.7% YoY
$221.5M
+9.0% YoY
$494.3M
+9.1% YoY
48%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.2%
-37.8% YoY-21.7% QoQ
+1.1% 0.1%
-77.6% YoY
0.6%
+16.1% YoY
0.4%
-39.2% YoY
76%
NIM 5.0%
-7.4% YoY-8.5% QoQ
+1.0% 4.0%
+4.0% YoY
3.7%
+1.7% YoY
3.8%
+4.1% YoY
Top 12.3% in tier
Efficiency Ratio 73.4%
+13.8% YoY+5.3% QoQ
-17.3% 90.6%
+6.5% YoY
82.0%
-2.0% YoY
84.6%
+2.8% YoY
31%
Delinquency Rate 0.7%
-12.9% YoY+51.2% QoQ
-0.8 1.5%
+3.8% YoY
1.4%
+35.7% YoY
1.2%
+3.4% YoY
54%
Loan To Share 51.3%
-5.5% YoY-5.1% QoQ
-7.2% 58.5%
-3.0% YoY
61.3%
-2.1% YoY
65.6%
-1.4% YoY
39%
AMR $8,209
+5.6% YoY+2.8% QoQ
$-7K $14,884
-1.7% YoY
$17,686
+5.3% YoY
$19,920
+1.6% YoY
20%
CD Concentration 2.2%
+7.5% YoY-3.3% QoQ
-22.1% 24.3% 19.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 11.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
309
Net Interest Margin (NIM)
profitability
Value: 4.97%
Peer Median: 3.83%
#309 of 2508 Top 12.3% in <100M tier
573
AMR Growth Rate
growth
Value: 5.59%
Peer Median: 1.27%
#573 of 2508 Top 22.8% in <100M tier
593
Return on Assets (ROA)
profitability
Value: 1.20%
Peer Median: 0.61%
#593 of 2508 Top 23.6% in <100M tier

Top Weaknesses (3 metrics)

2154
Member Growth Rate
growth
Value: -5.78%
Peer Median: -1.37%
#2154 of 2508 Bottom 14.2% in <100M tier
2012
Average Member Relationship (AMR)
engagement
Value: $8,209
Peer Median: $13,926
#2012 of 2508 Bottom 19.8% in <100M tier
1952
Loan-to-Member Ratio (LMR)
engagement
Value: $2,784
Peer Median: $4,923
#1952 of 2508 Bottom 22.2% in <100M tier
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