BlastPoint's Credit Union Scorecard
MORROW COUNTY
Charter #21606 · OH
MORROW COUNTY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 0.06% above tier average
- + Deposit Growth Rate: Top 9.0% in tier
- + Asset Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.62% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,068
-0.6% YoY-0.8% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$10.9M
+9.3% YoY+7.6% QoQ
|
$-19.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$4.2M
+0.8% YoY-5.5% QoQ
|
$-11.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$8.9M
+10.5% YoY+8.8% QoQ
|
$-16.7M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
1.4%
+51.4% YoY+19.4% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.0%
+6.0% YoY-2.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
67.0%
-13.4% YoY-7.8% QoQ
|
-15.5% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
4.2%
+196.1% YoY-4.2% QoQ
|
+2.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.1% in tier |
| Loan To Share |
47.3%
-8.8% YoY-13.1% QoQ
|
-13.3% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$12,334
+7.8% YoY+4.7% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
29.0%
-5.9% YoY-0.2% QoQ
|
+4.6% | 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)