BlastPoint's Credit Union Scorecard
CLEVELAND CHURCH OF CHRIST
Charter #22151 · OH
2596 CUs in <100M nationally
121 in OH
CLEVELAND CHURCH OF CHRIST has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.74% below tier average
- - Efficiency ratio 40.86% above tier (higher cost structure)
- - Delinquency rate 1.54% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.7% in tier
- - Total Assets: Bottom 2.3% in tier
- - Total Loans: Bottom 2.3% in tier
- - Total Deposits: Bottom 2.9% in tier
- - Loan Growth Rate: Bottom 3.3% in tier
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
374
-0.8% YoY+1.9% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 10.5% in tier |
| Assets |
$380,804
-5.0% YoY-3.7% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.2% in tier |
| Loans |
$58,504
-26.7% YoY-4.7% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.3% in tier |
| Deposits |
$336,967
-1.8% YoY-4.1% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.9% in tier |
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| ROA |
-1.1%
-269.9% YoY-44.7% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.3% in tier |
| NIM |
4.6%
-1.6% YoY+9.9% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
122.3%
+40.2% YoY-15.4% QoQ
|
+40.9% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
3.1%
+1639.5% YoY-14.1% QoQ
|
+1.5 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 11.6% in tier |
| Loan To Share |
17.4%
-25.4% YoY-0.6% QoQ
|
-43.9% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.5% in tier |
| AMR |
$1,057
-5.7% YoY-6.0% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% 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: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
571
Net Interest Margin (NIM)
profitability
Value:
4.65%
Peer Avg: -
#571 of 2596
Top 22.0% in <100M tier
Top Weaknesses (16 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2565
Average Member Relationship (AMR)
engagement
Value:
$1,057
Peer Avg: -
#2565 of 2596
Bottom 1.2% in <100M tier
2554
Loan-to-Member Ratio (LMR)
engagement
Value:
$156.43
Peer Avg: -
#2554 of 2596
Bottom 1.7% in <100M tier
2538
Total Assets
balance_sheet
Value:
$380,804
Peer Avg: -
#2538 of 2596
Bottom 2.3% in <100M tier
2537
Total Loans
balance_sheet
Value:
$58,504
Peer Avg: -
#2537 of 2596
Bottom 2.3% in <100M tier
2521
Total Deposits
balance_sheet
Value:
$336,967
Peer Avg: -
#2521 of 2596
Bottom 2.9% in <100M tier
2511
Loan Growth Rate
growth
Value:
-26.70%
Peer Avg: -
#2511 of 2596
Bottom 3.3% in <100M tier
2501
Loan-to-Share Ratio
balance_sheet
Value:
17.36%
Peer Avg: -
#2501 of 2596
Bottom 3.7% in <100M tier
2493
Efficiency Ratio
profitability
Value:
122.25%
Peer Avg: -
#2493 of 2596
Bottom 4.0% in <100M tier
2458
Return on Assets (ROA)
profitability
Value:
-1.05%
Peer Avg: -
#2458 of 2596
Bottom 5.4% in <100M tier