BlastPoint's Credit Union Scorecard
PROMEDICA
Charter #21226 · OH
PROMEDICA has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Total Members: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 5.84% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 2.3% 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 -3.3% year over year ($51.3M in shares and deposits).
- Membership: 6,690 members, -0.6% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.09%.
- Efficiency ratio 94.61% vs a 88.77% peer average.
- Loan-to-share ratio 59.37% 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 |
6,690
-0.6% YoY+2.0% QoQ
|
+4.1K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Top 6.2% in tier |
| Assets |
$60.2M
-3.0% YoY-2.1% QoQ
|
+$29.9M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$30.5M
+1.6% YoY+2.1% QoQ
|
+$15.0M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$51.3M
-3.3% YoY-2.5% QoQ
|
+$25.5M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
0.1%
+73.6% YoY+12.4% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.9% in tier |
| NIM |
4.2%
-4.2% YoY+2.3% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
94.6%
-0.8% YoY+1.8% QoQ
|
+5.8% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
0.8%
-32.4% YoY-5.8% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
59.4%
+5.0% YoY+4.7% QoQ
|
+0.5% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$12,218
-1.0% YoY-2.8% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
6.7%
+27.6% YoY+6.6% QoQ
|
-17.9% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
42.1%
+14.4% YoY+4.8% QoQ
|
+28.5% | 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)