BlastPoint's Credit Union Scorecard
BEST REWARD
Charter #24920 · OH
BEST REWARD has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Strong member growth: 7.3% YoY
- + Members Per Employee (MPE): Top 2.9% in tier
- + Member Growth Rate: Top 6.0% in tier
- + First Mortgage Concentration (%): Top 6.7% in tier
- + Share Certificate Concentration (%): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 11.14% above tier (higher cost structure)
- - Delinquency rate 0.44% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 0.3% in tier
- - Loan-to-Share Ratio: Bottom 0.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,392
+7.3% YoY-0.4% QoQ
|
-2.8K |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$164.5M
+1.9% YoY-0.2% QoQ
|
$-67.2M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$28.1M
-8.1% YoY-3.3% QoQ
|
$-116.1M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.0% in tier |
| Deposits |
$120.4M
+0.8% YoY+1.7% QoQ
|
$-80.7M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
0.2%
-60.9% YoY-36.7% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
2.9%
+2.0% YoY+3.6% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
89.2%
+10.9% YoY+5.4% QoQ
|
+11.1% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
1.2%
+230.0% YoY+20.4% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
23.3%
-8.8% YoY-4.9% QoQ
|
-47.1% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.7% in tier |
| AMR |
$11,985
-7.7% YoY+1.1% QoQ
|
$-13K |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.8% in tier |
| CD Concentration |
9.2%
+22.8% YoY+12.3% QoQ
|
-15.1% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)