BlastPoint's Credit Union Scorecard
OHIO HEALTHCARE
Charter #24725 · OH
OHIO HEALTHCARE has 1 strength but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.7% in tier
- - Membership Headwinds: Bottom 59.1% in tier
- - Stagnation Risk: Bottom 59.5% in tier
- - Institutional Decline: Bottom 94.1% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 21.24% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Total Assets: Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 5.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.9% in tier
- - Total Deposits: Bottom 7.9% in tier
- - Total Loans: Bottom 9.1% in tier
- - Deposit Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,159
-2.1% YoY-0.1% QoQ
|
-4.3K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$106.6M
-0.9% YoY+0.2% QoQ
|
$-125.2M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.5% in tier |
| Loans |
$57.8M
-1.6% YoY+1.9% QoQ
|
$-89.6M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.0% in tier |
| Deposits |
$96.5M
-1.8% YoY+0.5% QoQ
|
$-104.3M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.8% in tier |
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| ROA |
0.2%
+57.7% YoY-20.7% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.1% in tier |
| NIM |
3.8%
+2.3% YoY+0.8% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
98.3%
+5.6% YoY+0.0% QoQ
|
+21.2% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 2.8% in tier |
| Delinquency Rate |
0.4%
-5.8% YoY+102.2% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
59.9%
+0.1% YoY+1.4% QoQ
|
-12.4% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$13,826
+0.4% YoY+1.1% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.8% in tier |
| CD Concentration |
19.0%
-0.3% YoY+3.3% QoQ
|
-5.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
12.5%
-24.2% YoY-9.0% QoQ
|
-1.3% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)