BlastPoint's Credit Union Scorecard

FIRST OHIO COMMUNITY

Charter #2454 · OH

<100M

2508 CUs in <100M nationally 116 in OH

FIRST OHIO COMMUNITY has 2 strengths but faces 2 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

+ ROA 0.45% above tier average
+ Total Delinquency Rate (60+ days): Top 0.1% in tier

Key Concerns

Areas that may need attention

- Member decline: -5.3% YoY
- Indirect Auto Concentration (%): Bottom 1.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,280 -5.3% YoY-2.1% QoQ	+603	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	71%
Assets	$45.9M +8.2% YoY+3.6% QoQ	+$15.7M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	74%
Loans	$16.8M -10.3% YoY-4.6% QoQ	+$1.5M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	65%
Deposits	$41.1M +8.0% YoY+3.8% QoQ	+$15.3M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	76%

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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	0.6% -0.6% YoY-35.9% QoQ	+0.4%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	49%
NIM	3.0% -9.5% YoY-8.3% QoQ	-1.0%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	76.6% -3.7% YoY+6.2% QoQ	-14.1%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.0% -100.0% YoY-100.0% QoQ	-1.5	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	40.9% -17.0% YoY-8.1% QoQ	-17.7%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	23%
AMR	$17,656 +7.7% YoY+3.3% QoQ	+$3K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	68%
CD Concentration	13.0% +19.0% YoY-1.0% QoQ	-11.3%	24.3%	19.4%	19.8%	50%
Indirect Auto %	50.0% -6.6% YoY-2.4% QoQ	+36.2%	13.8%	11.4%	7.7%	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 2508 peers in tier

Top Strengths (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#1 of 2508 Top 0.1% in <100M tier

280

Asset Growth Rate

growth

Value: 8.15%

Peer Median: 1.30%

#280 of 2508 Top 11.1% in <100M tier

314

Deposit Growth Rate

growth

Value: 8.05%

Peer Median: 0.66%

#314 of 2508 Top 12.5% in <100M tier

378

AMR Growth Rate

growth

Value: 7.67%

Peer Median: 1.27%

#378 of 2508 Top 15.0% in <100M tier

603

Total Deposits

balance_sheet

Value: $41.11M

Peer Median: $18.77M

#603 of 2508 Top 24.0% in <100M tier

Top Weaknesses (6 metrics)

2471

Indirect Auto Concentration (%)

balance_sheet

Value: 49.99%

Peer Median: 0.00%

#2471 of 2508 Bottom 1.5% in <100M tier

2105

Member Growth Rate

growth

Value: -5.26%

Peer Median: -1.37%

#2105 of 2508 Bottom 16.1% in <100M tier

2053

Net Interest Margin (NIM)

profitability

Value: 2.98%

Peer Median: 3.83%

#2053 of 2508 Bottom 18.2% in <100M tier

2021

Net Worth Ratio

risk

Value: 10.29%

Peer Median: 14.28%

#2021 of 2508 Bottom 19.5% in <100M tier

1970

Loan Growth Rate

growth

Value: -10.27%

Peer Median: -2.36%

#1970 of 2508 Bottom 21.5% in <100M tier

1934

Loan-to-Share Ratio

balance_sheet

Value: 40.85%

Peer Median: 58.72%

#1934 of 2508 Bottom 22.9% in <100M tier