BlastPoint's Credit Union Scorecard
MORROW COUNTY
Charter #21606 · OH
2596 CUs in <100M nationally
121 in OH
MORROW COUNTY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.85% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,077
+0.7% YoY-0.6% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$10.1M
+3.4% YoY+0.3% QoQ
|
$-19.8M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$4.5M
+3.9% YoY+9.8% QoQ
|
$-11.3M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$8.2M
+3.3% YoY+0.2% QoQ
|
$-17.2M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
32% |
| ROA |
1.2%
+27.0% YoY-15.8% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
4.1%
+0.2% YoY-4.7% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
72.7%
-8.3% YoY+5.2% QoQ
|
-8.7% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
4.4%
+130.0% YoY-16.1% QoQ
|
+2.9 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 7.4% in tier |
| Loan To Share |
54.5%
+0.6% YoY+9.6% QoQ
|
-6.8% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$11,786
+2.8% YoY+4.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
29.1%
+12.4% YoY+6.5% QoQ
|
+4.7% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
620
Loan Growth Rate
growth
Value:
3.90%
Peer Avg: 59.01%
#620 of 2596
Top 23.8% in <100M tier
640
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#640 of 2596
Top 24.6% in <100M tier
Top Weaknesses (3 metrics)
2404
Total Delinquency Rate (60+ days)
risk
Value:
4.36%
Peer Avg: 1.51%
#2404 of 2596
Bottom 7.4% in <100M tier
2122
Share Certificate Concentration (%)
balance_sheet
Value:
29.08%
Peer Avg: 15.37%
#2122 of 2596
Bottom 18.3% in <100M tier
2035
Fee Income Per Member
profitability
Value:
$13.34
Peer Avg: $182.96
#2035 of 2596
Bottom 21.6% in <100M tier