BlastPoint's Credit Union Scorecard

CANTON SCHOOL EMPLOYEES

Charter #2535 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

CANTON SCHOOL EMPLOYEES has 8 strengths but faces 6 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.10% above tier average
+ Net Interest Margin 0.89% above tier average
+ Total Members: Top 0.2% in tier
+ Total Deposits: Top 3.6% in tier
+ Total Assets: Top 4.0% in tier
+ First Mortgage Concentration (%): Top 5.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency ratio 1.10% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 4.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
- Net Charge-Off Rate: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	49,452 +0.7% YoY+0.1% QoQ	+34.3K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 0.3% in tier
Assets	$456.2M +5.7% YoY+1.9% QoQ	+$224.4M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Top 4.1% in tier
Loans	$258.6M +1.1% YoY-0.3% QoQ	+$114.5M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Top 11.2% in tier
Deposits	$400.1M +5.1% YoY+2.1% QoQ	+$198.9M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Top 3.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +8.9% YoY+8.0% QoQ	+0.1%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	59%
NIM	4.5% +7.1% YoY+5.9% QoQ	+0.9%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	Top 9.4% in tier
Efficiency Ratio	79.1% -3.3% YoY-2.7% QoQ	+1.1%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	0.7% +14.8% YoY-0.7% QoQ	-0.1	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	57%
Loan To Share	64.6% -3.8% YoY-2.4% QoQ	-5.8%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	35%
AMR	$13,319 +2.8% YoY+1.0% QoQ	$-12K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	Bottom 4.2% in tier
CD Concentration	24.6% -3.6% YoY-2.3% QoQ	+0.4%	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 Engine

growth

#279 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.68%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.83%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#347 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.68%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#509 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#446 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Members

engagement

Value: 49,452

Peer Median: 13,200

#3 of 1070 Top 0.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $400.05M

Peer Median: $171.29M

#40 of 1070 Top 3.6% in 100M-500M tier

Total Assets

balance_sheet

Value: $456.16M

Peer Median: $196.57M

#44 of 1070 Top 4.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.51%

Peer Median: 29.47%

#58 of 1070 Top 5.3% in 100M-500M tier

101

Net Interest Margin (NIM)

profitability

Value: 4.52%

Peer Median: 3.62%

#101 of 1070 Top 9.3% in 100M-500M tier

120

Total Loans

balance_sheet

Value: $258.61M

Peer Median: $121.41M

#120 of 1070 Top 11.1% in 100M-500M tier

254

Fee Income Per Member

profitability

Value: $203.93

Peer Median: $154.95

#254 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1025

Average Member Relationship (AMR)

engagement

Value: $13,319

Peer Median: $22,931

#1025 of 1070 Bottom 4.3% in 100M-500M tier

993

Loan-to-Member Ratio (LMR)

engagement

Value: $5,229

Peer Median: $9,356

#993 of 1070 Bottom 7.3% in 100M-500M tier

966

Net Charge-Off Rate

risk

Value: 1.08%

Peer Median: 0.35%

#966 of 1070 Bottom 9.8% in 100M-500M tier