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 0.50% above tier average
- + Net Interest Margin 0.60% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.71% above tier average
- - Indirect Auto Concentration (%): Bottom 3.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
- Shares and deposits +2.3% year over year ($210M in shares and deposits).
- Membership: 15,726 members, +1.5% vs a year ago.
- Delinquency rate 1.59%.
- Return on assets 1.36%.
- Efficiency ratio 65.38% vs a 76.73% peer average.
- Loan-to-share ratio 81.01% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,726
+1.5% YoY+1.1% QoQ
|
+557 |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$243.6M
+2.5% YoY+0.0% QoQ
|
+$11.6M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$170.3M
+7.0% YoY+3.2% QoQ
|
+$24.1M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$210.3M
+2.3% YoY-0.0% QoQ
|
+$9.6M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
1.4%
+26.9% YoY+1.4% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.3%
+6.7% YoY+0.2% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
65.4%
+1.4% YoY-2.3% QoQ
|
-11.4% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
1.6%
-36.6% YoY+71.8% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
81.0%
+4.6% YoY+3.2% QoQ
|
+9.5% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$24,203
+2.9% YoY+0.3% QoQ
|
$-904 |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
32.2%
+1.4% YoY+0.6% QoQ
|
+7.7% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
53.5%
+8.3% YoY+0.7% QoQ
|
+39.9% | 13.6% | 11.9% | 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)