BlastPoint's Credit Union Scorecard

OHIO VALLEY

Charter #22688 · OH

<100M

2556 CUs in <100M nationally 118 in OH

OHIO VALLEY has 1 strength but faces 1 concern

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 0.10% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.9% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	2,107 -3.9% YoY-0.3% QoQ	-508	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	53%
Assets	$26.0M -4.4% YoY-0.0% QoQ	$-4.1M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	55%
Loans	$9.8M -8.0% YoY+1.5% QoQ	$-5.9M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	51%
Deposits	$23.5M -5.5% YoY-0.4% QoQ	$-2.2M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	57%

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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	0.7% +589.3% YoY+10.1% QoQ	+0.1%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	52%
NIM	3.8% +19.0% YoY+2.3% QoQ	-0.2%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	44%
Efficiency Ratio	79.1% -17.2% YoY-2.5% QoQ	-3.4%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	49%
Delinquency Rate	1.5% +358.5% YoY-10.2% QoQ	+0.0	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	72%
Loan To Share	41.8% -2.7% YoY+1.9% QoQ	-18.8%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	22%
AMR	$15,829 -2.5% YoY+0.5% QoQ	+$1K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	60%
CD Concentration	17.8% -2.8% YoY-3.6% QoQ	-6.6%	24.4%	19.4%	19.8%	50%
Indirect Auto %	5.0% -30.7% YoY-12.7% QoQ	-8.8%	13.8%	11.2%	7.8%	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 2556 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2293

Net Worth Ratio

risk

Value: 9.12%

Peer Median: -

#2293 of 2556 Bottom 10.3% in <100M tier

2266

Indirect Auto Concentration (%)

balance_sheet

Value: 4.96%

Peer Median: -

#2266 of 2556 Bottom 11.4% in <100M tier

2162

Asset Growth Rate

growth

Value: -4.37%

Peer Median: -

#2162 of 2556 Bottom 15.5% in <100M tier

2159

Deposit Growth Rate

growth

Value: -5.53%

Peer Median: -

#2159 of 2556 Bottom 15.6% in <100M tier

1995

Loan-to-Share Ratio

balance_sheet

Value: 41.82%

Peer Median: -

#1995 of 2556 Bottom 22.0% in <100M tier

1942

Member Growth Rate

growth

Value: -3.88%

Peer Median: -

#1942 of 2556 Bottom 24.1% in <100M tier