BlastPoint's Credit Union Scorecard
OHIO VALLEY COMMUNITY
Charter #24909 · OH
OHIO VALLEY COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.62% above tier average
- + Net Interest Margin 0.65% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.15% above tier average
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,556
+1.2% YoY+0.2% QoQ
|
+410 |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$243.5M
+1.9% YoY+0.9% QoQ
|
+$11.8M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$165.1M
+7.6% YoY+0.0% QoQ
|
+$20.9M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$210.3M
+1.6% YoY+1.2% QoQ
|
+$9.2M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
1.3%
+25.8% YoY+5.8% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
85% |
| NIM |
4.3%
+11.7% YoY+2.6% QoQ
|
+0.6% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 15.0% in tier |
| Efficiency Ratio |
66.9%
-4.6% YoY+5.6% QoQ
|
-11.1% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.9%
-61.0% YoY-35.2% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
78.5%
+5.9% YoY-1.2% QoQ
|
+8.1% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$24,133
+3.0% YoY+0.5% QoQ
|
$-785 |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
32.0%
+1.8% YoY-3.2% QoQ
|
+7.8% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
53.2%
+13.1% YoY+3.9% QoQ
|
+39.4% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)