BlastPoint's Credit Union Scorecard

CLEVELAND SELFRELIANCE

Charter #24516 · OH

1077 CUs in 100M-500M nationally 58 in OH

CLEVELAND SELFRELIANCE has 7 strengths but faces 15 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 0.9% in tier
+ Relationship Depth Leader: Top 26.2% in tier
+ Wallet Share Momentum: Top 55.6% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 0.3% in tier
+ Net Worth Ratio: Top 4.0% in tier
+ Loan Growth Rate: Top 4.8% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 6.6% in tier
- Stagnation Risk: Bottom 11.2% in tier
- Liquidity Overhang: Bottom 12.0% in tier
- Membership Headwinds: Bottom 17.9% in tier
- ROA 0.24% below tier average
- Member decline: -2.3% 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 Deposits: Bottom 0.6% in tier
- Total Members: Bottom 0.8% in tier
- Total Assets: Bottom 1.4% in tier
- Loan-to-Share Ratio: Bottom 1.8% in tier
- Net Interest Margin (NIM): Bottom 3.7% in tier
- Share Certificate Concentration (%): Bottom 4.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,246 -2.3% YoY-0.7% QoQ	-12.4K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	Bottom 0.7% in tier
Assets	$102.2M +1.6% YoY-0.3% QoQ	$-129.1M	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	Bottom 1.3% in tier
Loans	$25.3M +17.7% YoY+0.9% QoQ	$-122.5M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	Bottom 0.6% in tier
Deposits	$82.7M +1.2% YoY-0.4% QoQ	$-117.5M	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	Bottom 0.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -44.8% YoY+2.0% QoQ	-0.2%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	36%
NIM	2.3% -10.3% YoY+0.5% QoQ	-1.3%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	Bottom 3.6% in tier
Efficiency Ratio	73.1% +20.5% YoY+1.7% QoQ	-4.2%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	34%
Delinquency Rate	0.0% -62.3% YoY	-0.9	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	Bottom 0.3% in tier
Loan To Share	30.5% +16.3% YoY+1.3% QoQ	-42.2%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	Bottom 1.7% in tier
AMR	$33,278 +7.1% YoY+0.6% QoQ	+$9K	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	Top 11.2% in tier
CD Concentration	43.1% +8.5% YoY+4.0% QoQ	+18.7%	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 (3)

Credit Quality Leader

growth

#4 of 340 • Top 0.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.00%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#68 of 257 • Top 26.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.12%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.9K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Wallet Share Momentum

growth

#268 of 481 • Top 55.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.12%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Cost Spiral

risk

#17 of 62 • Bottom 6.6% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 12.41% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 36.37%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Stagnation Risk

risk

#186 of 550 • Bottom 11.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.32%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 17.68%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.00%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk

#17 of 134 • Bottom 12.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.88%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 30.54%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

Membership Headwinds

decline

#295 of 550 • Bottom 17.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.32%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.88%

Peer Avg: -

#44 of 1077 Top 4.0% in 100M-500M tier

Loan Growth Rate

growth

Value: 17.68%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

119

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#119 of 1077 Top 11.0% in 100M-500M tier

121

Average Member Relationship (AMR)

engagement

Value: $33,278

Peer Avg: -

#121 of 1077 Top 11.1% in 100M-500M tier

211

AMR Growth Rate

growth

Value: 7.12%

Peer Avg: -

#211 of 1077 Top 19.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1077

First Mortgage Concentration (%)

balance_sheet

Value: 89.97%

Peer Avg: -

#1077 of 1077 Bottom 0.1% in 100M-500M tier

1071

Fee Income Per Member

profitability

Value: $17.70

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1071

Total Loans

balance_sheet

Value: $25.27M

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1071

Total Deposits

balance_sheet

Value: $82.75M

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1069

Total Members

engagement

Value: 3,246

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1063

Total Assets

balance_sheet

Value: $102.24M

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

1059

Loan-to-Share Ratio

balance_sheet

Value: 30.54%

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1038

Net Interest Margin (NIM)

profitability

Value: 2.26%

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

1033

Share Certificate Concentration (%)

balance_sheet

Value: 43.10%

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

886

Members Per Employee (MPE)

engagement

Value: 249.692

Peer Avg: -

#886 of 1077 Bottom 17.8% in 100M-500M tier