BlastPoint's Credit Union Scorecard

HANCOCK

Charter #2815 · OH

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

HANCOCK has 1 strength but faces 9 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

+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.4% in tier
- Credit Quality Pressure: Bottom 6.1% in tier
- Indirect Auto Dependency: Bottom 12.3% in tier
- Membership Headwinds: Bottom 20.8% in tier
- Stagnation Risk: Bottom 31.0% in tier
- ROA 0.64% below tier average
- Efficiency ratio 13.94% above tier (higher cost structure)
- Delinquency rate 0.42% above tier average
- Total Assets: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	9,137 -1.8% YoY-0.5% QoQ	-6.5K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	24%
Assets	$112.4M +4.7% YoY+1.6% QoQ	$-118.9M	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	Bottom 8.4% in tier
Loans	$81.4M -0.1% YoY-0.0% QoQ	$-66.4M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	23%
Deposits	$100.4M +4.3% YoY+1.0% QoQ	$-99.9M	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	Bottom 11.5% in tier

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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	0.1% -54.6% YoY+16.6% QoQ	-0.6%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	Bottom 11.6% in tier
NIM	3.8% +8.3% YoY+1.2% QoQ	+0.3%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	65%
Efficiency Ratio	91.2% +5.0% YoY-0.5% QoQ	+13.9%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	Top 8.5% in tier
Delinquency Rate	1.3% +59.3% YoY+261.8% QoQ	+0.4	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	80%
Loan To Share	81.1% -4.2% YoY-1.1% QoQ	+8.4%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	67%
AMR	$19,896 +4.2% YoY+1.1% QoQ	$-4K	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	34%
CD Concentration	26.6% -7.8% YoY+0.9% QoQ	+2.2%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	26.3% -8.7% YoY-3.3% QoQ	+12.3%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#96 of 521 • Bottom 5.4% in tier

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

Why This Signature

Efficiency Ratio: 91.22%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.18% points

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

worse than tier avg

Member Growth (YoY): -1.84%

(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

Credit Quality Pressure

risk

#151 of 736 • Bottom 6.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.48% 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

Indirect Auto Dependency

risk

#198 of 525 • Bottom 12.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.73%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 26.26%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.84%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline

#343 of 550 • Bottom 20.8% in tier

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

Why This Signature

Member Growth (YoY): -1.84%

(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 worsening

Stagnation Risk

risk

#511 of 550 • Bottom 31.0% 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): -1.84%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.28%

(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

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 (1 metrics)

212

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#212 of 1077 Top 19.6% in 100M-500M tier

Top Weaknesses (10 metrics)

987

Total Assets

balance_sheet

Value: $112.42M

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

986

Efficiency Ratio

profitability

Value: 91.22%

Peer Avg: -

#986 of 1077 Bottom 8.5% in 100M-500M tier

953

Total Deposits

balance_sheet

Value: $100.37M

Peer Avg: -

#953 of 1077 Bottom 11.6% in 100M-500M tier

952

Return on Assets (ROA)

profitability

Value: 0.15%

Peer Avg: -

#952 of 1077 Bottom 11.7% in 100M-500M tier

932

Net Worth Ratio

risk

Value: 9.06%

Peer Avg: -

#932 of 1077 Bottom 13.6% in 100M-500M tier

861

Total Delinquency Rate (60+ days)

risk

Value: 1.28%

Peer Avg: -

#861 of 1077 Bottom 20.1% in 100M-500M tier

859

Indirect Auto Concentration (%)

balance_sheet

Value: 26.26%

Peer Avg: -

#859 of 1077 Bottom 20.3% in 100M-500M tier

848

Fee Income Per Member

profitability

Value: $113.00

Peer Avg: -

#848 of 1077 Bottom 21.4% in 100M-500M tier

829

Total Loans

balance_sheet

Value: $81.41M

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier

823

Total Members

engagement

Value: 9,137

Peer Avg: -

#823 of 1077 Bottom 23.7% in 100M-500M tier