BlastPoint's Credit Union Scorecard

MORROW COUNTY

Charter #21606 · OH

<100M

2508 CUs in <100M nationally 116 in OH

MORROW COUNTY has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.03% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 2.39% above tier average
- Total Delinquency Rate (60+ days): Bottom 8.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	1,069 -0.6% YoY+0.1% QoQ	-1.6K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	30%
Assets	$11.1M +8.3% YoY+1.8% QoQ	$-19.1M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	34%
Loans	$4.1M +0.0% YoY-2.6% QoQ	$-11.2M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	30%
Deposits	$9.1M +8.9% YoY+1.9% QoQ	$-16.7M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +75.9% YoY-14.9% QoQ	+1.0%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	76%
NIM	3.8% +1.1% YoY-5.5% QoQ	-0.2%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	69.7% -15.9% YoY+4.0% QoQ	-20.9%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	3.9% +47.5% YoY-6.7% QoQ	+2.4	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	Bottom 8.0% in tier
Loan To Share	45.2% -8.1% YoY-4.4% QoQ	-13.3%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	29%
AMR	$12,376 +6.6% YoY+0.3% QoQ	$-3K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	41%
CD Concentration	29.2% -0.1% YoY+0.7% QoQ	+5.0%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

257

Deposit Growth Rate

growth

Value: 8.88%

Peer Median: 0.66%

#257 of 2508 Top 10.2% in <100M tier

268

Asset Growth Rate

growth

Value: 8.32%

Peer Median: 1.30%

#268 of 2508 Top 10.6% in <100M tier

464

AMR Growth Rate

growth

Value: 6.56%

Peer Median: 1.27%

#464 of 2508 Top 18.5% in <100M tier

614

Return on Assets (ROA)

profitability

Value: 1.18%

Peer Median: 0.61%

#614 of 2508 Top 24.4% in <100M tier

Top Weaknesses (4 metrics)

2308

Total Delinquency Rate (60+ days)

risk

Value: 3.90%

Peer Median: 0.65%

#2308 of 2508 Bottom 8.0% in <100M tier

2045

Share Certificate Concentration (%)

balance_sheet

Value: 29.25%

Peer Median: 12.45%

#2045 of 2508 Bottom 18.5% in <100M tier

2007

Fee Income Per Member

profitability

Value: $10.39

Peer Median: $60.42

#2007 of 2508 Bottom 20.0% in <100M tier

1963

Net Charge-Off Rate

risk

Value: 0.64%

Peer Median: 0.07%

#1963 of 2508 Bottom 21.8% in <100M tier