BlastPoint's Credit Union Scorecard

BEST REWARD

Charter #24920 · OH

1077 CUs in 100M-500M nationally 58 in OH

BEST REWARD has 5 strengths but faces 16 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 38.5% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 7.7% in tier
+ Share Certificate Concentration (%): Top 7.9% in tier
+ Members Per Employee (MPE): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.8% in tier
- Institutional Decline: Bottom 2.4% in tier
- Credit Quality Pressure: Bottom 3.9% in tier
- Stagnation Risk: Bottom 17.6% in tier
- Efficiency Drag: Bottom 22.5% in tier
- ROA 0.39% below tier average
- Efficiency ratio 6.41% above tier (higher cost structure)
- Delinquency rate 0.02% above tier average
- Member decline: -11.1% YoY
- Loan-to-Member Ratio (LMR): Bottom 0.4% in tier
- Loan-to-Share Ratio: Bottom 0.9% in tier
- Total Loans: Bottom 1.0% in tier
- Loan Growth Rate: Bottom 2.6% in tier
- Member Growth Rate: Bottom 2.9% in tier
- Fee Income Per Member: Bottom 4.5% in tier
- Average Member Relationship (AMR): Bottom 6.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	10,426 -11.1% YoY-10.5% QoQ	-5.2K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	32%
Assets	$159.3M -0.1% YoY-0.3% QoQ	$-72.0M	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	34%
Loans	$29.4M -11.1% YoY-2.5% QoQ	$-118.4M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	Bottom 0.9% in tier
Deposits	$115.7M -1.5% YoY-1.4% QoQ	$-84.6M	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -20.3% YoY-21.4% QoQ	-0.4%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	25%
NIM	2.8% +5.8% YoY+0.4% QoQ	-0.8%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	Bottom 12.4% in tier
Efficiency Ratio	83.7% -1.2% YoY+1.7% QoQ	+6.4%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	73%
Delinquency Rate	0.9% +250.8% YoY+193.1% QoQ	+0.0	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	64%
Loan To Share	25.4% -9.8% YoY-1.1% QoQ	-47.3%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	Bottom 0.8% in tier
AMR	$13,913 +8.4% YoY+10.0% QoQ	$-10K	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	Bottom 6.2% in tier
CD Concentration	8.1% +15.0% YoY+3.1% QoQ	-16.3%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#186 of 481 • Top 38.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.40%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#31 of 550 • Bottom 1.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -11.06%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#20 of 256 • Bottom 2.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $159.30M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -11.06%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -11.09%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk

#97 of 736 • Bottom 3.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.63% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk

#290 of 550 • Bottom 17.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.06%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -11.09%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.88%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk

#397 of 521 • Bottom 22.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.68%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -11.06%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.32%

Peer Avg: -

#84 of 1077 Top 7.7% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.12%

Peer Avg: -

#86 of 1077 Top 7.9% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 473.909

Peer Avg: -

#86 of 1077 Top 7.9% in 100M-500M tier

144

AMR Growth Rate

growth

Value: 8.40%

Peer Avg: -

#144 of 1077 Top 13.3% in 100M-500M tier

159

Net Worth Ratio

risk

Value: 15.15%

Peer Avg: -

#159 of 1077 Top 14.7% in 100M-500M tier

Top Weaknesses (12 metrics)

1074

Loan-to-Member Ratio (LMR)

engagement

Value: $2,817

Peer Avg: -

#1074 of 1077 Bottom 0.4% in 100M-500M tier

1068

Loan-to-Share Ratio

balance_sheet

Value: 25.39%

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1067

Total Loans

balance_sheet

Value: $29.37M

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1050

Loan Growth Rate

growth

Value: -11.09%

Peer Avg: -

#1050 of 1077 Bottom 2.6% in 100M-500M tier

1047

Member Growth Rate

growth

Value: -11.06%

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

1029

Fee Income Per Member

profitability

Value: $65.83

Peer Avg: -

#1029 of 1077 Bottom 4.5% in 100M-500M tier

1010

Average Member Relationship (AMR)

engagement

Value: $13,913

Peer Avg: -

#1010 of 1077 Bottom 6.3% in 100M-500M tier

961

Deposit Growth Rate

growth

Value: -1.48%

Peer Avg: -

#961 of 1077 Bottom 10.9% in 100M-500M tier

943

Net Interest Margin (NIM)

profitability

Value: 2.81%

Peer Avg: -

#943 of 1077 Bottom 12.5% in 100M-500M tier

883

Asset Growth Rate

growth

Value: -0.08%

Peer Avg: -

#883 of 1077 Bottom 18.1% in 100M-500M tier