BlastPoint's Credit Union Scorecard
THEORY
Charter #24545 · OH
THEORY has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Asset Growth Rate: Top 7.0% in tier
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,515
+0.8% YoY+0.1% QoQ
|
+838 |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$39.0M
+10.2% YoY+4.7% QoQ
|
+$8.9M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$19.0M
+3.0% YoY-0.7% QoQ
|
+$3.7M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$36.6M
+9.4% YoY+5.0% QoQ
|
+$10.8M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.1%
-89.3% YoY-84.6% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
4.2%
-4.6% YoY-1.1% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
85.1%
+9.8% YoY+4.2% QoQ
|
-5.5% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
0.8%
-52.5% YoY-68.6% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
51.8%
-5.8% YoY-5.4% QoQ
|
-6.7% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$15,815
+6.3% YoY+2.9% QoQ
|
+$931 |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
9.1%
+2.5% YoY-4.4% QoQ
|
-15.2% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 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)