BlastPoint's Credit Union Scorecard
LOCAL UNION 392
Charter #24373 · OH
LOCAL UNION 392 demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Interest Margin 1.46% above tier average
- + Members Per Employee (MPE): Top 1.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,722
+0.6% YoY-0.4% QoQ
|
+106 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$16.6M
+9.1% YoY+0.6% QoQ
|
$-13.5M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$9.6M
-12.7% YoY-1.9% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$13.9M
+9.3% YoY+0.9% QoQ
|
$-11.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.2%
-23.8% YoY-24.0% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
5.4%
-2.7% YoY+0.3% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 8.1% in tier |
| Efficiency Ratio |
72.7%
+12.5% YoY+1.2% QoQ
|
-9.8% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.6%
+118.3% YoY+250.3% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
69.0%
-20.1% YoY-2.8% QoQ
|
+8.4% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$8,633
-1.5% YoY+0.1% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
10.3%
+117.7% YoY+0.1% QoQ
|
-14.1% | 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)