BlastPoint's Credit Union Scorecard
CINCINNATI HEALTHCARE ASSOCIATES
Charter #21157 · OH
CINCINNATI HEALTHCARE ASSOCIATES has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
- + Net Interest Margin 1.47% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -5.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,163
-5.8% YoY-2.7% QoQ
|
+547 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$19.4M
+1.3% YoY+0.5% QoQ
|
$-10.8M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$8.9M
+0.2% YoY+2.3% QoQ
|
$-6.9M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$16.4M
-0.3% YoY+0.2% QoQ
|
$-9.3M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
1.5%
-20.4% YoY-4.0% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
5.4%
-3.3% YoY+0.1% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
69.6%
+5.4% YoY+1.3% QoQ
|
-12.9% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.5%
-25.8% YoY-23.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
54.1%
+0.5% YoY+2.1% QoQ
|
-6.5% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$7,988
+6.1% YoY+3.7% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
2.2%
+0.1% YoY+0.2% QoQ
|
-22.2% | 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)