BlastPoint's Credit Union Scorecard
FIRST OHIO COMMUNITY
Charter #2454 · OH
FIRST OHIO COMMUNITY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Charge-Off Rate: Top 6.5% in tier
- + Asset Growth Rate: Top 8.4% in tier
- + Deposit Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.9% YoY
- - Indirect Auto Concentration (%): Bottom 1.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,393
-3.9% YoY-1.1% QoQ
|
+767 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$43.0M
+10.0% YoY+1.7% QoQ
|
+$13.2M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$18.1M
-8.4% YoY-1.9% QoQ
|
+$2.3M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$38.5M
+10.1% YoY+1.6% QoQ
|
+$13.0M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
0.8%
-22.7% YoY+4.7% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.3%
-6.4% YoY-0.4% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
74.9%
+4.3% YoY-1.2% QoQ
|
-6.5% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.2%
-40.3% YoY+5343.9% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
47.0%
-16.8% YoY-3.5% QoQ
|
-14.2% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$16,659
+7.7% YoY+1.6% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
12.8%
+31.7% YoY+5.2% QoQ
|
-11.6% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
52.5%
-7.6% YoY-1.2% QoQ
|
+38.5% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)