BlastPoint's Credit Union Scorecard
DN COMMUNITY
Charter #24720 · OH
DN COMMUNITY has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.63% above tier average
- + Loan-to-Share Ratio: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 4.29% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - Asset Growth Rate: Bottom 0.8% in tier
- - Deposit Growth Rate: Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 1.3% in tier
- - Loan Growth Rate: Bottom 2.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,860
-5.2% YoY-5.7% QoQ
|
+244 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$19.8M
-27.7% YoY-9.7% QoQ
|
$-10.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$17.3M
-29.6% YoY-6.2% QoQ
|
+$1.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$17.8M
-30.2% YoY-11.0% QoQ
|
$-7.9M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.4%
-133.4% YoY+2335.1% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
5.6%
+32.7% YoY+17.6% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
86.9%
-6.9% YoY-3.9% QoQ
|
+4.3% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.8%
-53.4% YoY-43.6% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
96.7%
+1.0% YoY+5.4% QoQ
|
+36.1% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 5.8% in tier |
| AMR |
$12,269
-26.1% YoY-3.2% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
6.1%
-80.2% YoY-41.9% QoQ
|
-18.3% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
6.9%
-45.3% YoY-3.8% QoQ
|
-6.9% | 13.8% | 11.2% | 7.8% | 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)