BlastPoint's Credit Union Scorecard
CLEVELAND SELFRELIANCE
Charter #24516 · OH
CLEVELAND SELFRELIANCE has 9 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 13.9% in tier
- + Wallet Share Momentum: Top 26.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.6% in tier
- + Loan Growth Rate: Top 3.7% in tier
- + Net Worth Ratio: Top 4.7% in tier
- + Net Charge-Off Rate: Top 6.3% in tier
- + Average Member Relationship (AMR): Top 9.8% in tier
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 11.9% in tier
- - Membership Headwinds: Bottom 47.2% in tier
- - Stagnation Risk: Bottom 93.5% in tier
- - ROA 0.27% below tier average
- - Member decline: -2.9% YoY
- - First Mortgage Concentration (%): Bottom 0.1% in tier
- - Fee Income Per Member: Bottom 0.6% in tier
- - Total Loans: Bottom 0.6% in tier
- - Total Members: Bottom 0.7% in tier
- - Total Deposits: Bottom 0.8% in tier
- - Loan-to-Share Ratio: Bottom 2.2% in tier
- - Net Interest Margin (NIM): Bottom 3.2% in tier
- - Total Assets: Bottom 3.5% in tier
- - Share Certificate Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,218
-2.9% YoY-0.9% QoQ
|
-12.2K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 0.6% in tier |
| Assets |
$105.2M
+3.6% YoY+2.9% QoQ
|
$-126.7M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.4% in tier |
| Loans |
$26.6M
+19.6% YoY+5.1% QoQ
|
$-120.8M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.5% in tier |
| Deposits |
$85.6M
+3.7% YoY+3.4% QoQ
|
$-115.3M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.7% in tier |
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| ROA |
0.5%
-44.7% YoY-11.3% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
2.2%
-10.4% YoY-2.1% QoQ
|
-1.4% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.1% in tier |
| Efficiency Ratio |
75.9%
+17.6% YoY+3.9% QoQ
|
-1.1% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.0%
-62.8% YoY+0.4% QoQ
|
-0.9 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
31.0%
+15.4% YoY+1.6% QoQ
|
-41.2% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.1% in tier |
| AMR |
$34,839
+10.2% YoY+4.7% QoQ
|
+$10K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 9.9% in tier |
| CD Concentration |
44.6%
+10.8% YoY+3.5% QoQ
|
+20.2% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)