BlastPoint's Credit Union Scorecard

HANCOCK

Charter #2815 · OH

100M-500M

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

HANCOCK has 3 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.11% above tier average
+ Net Charge-Off Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 10.99% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	9,067 -1.7% YoY-0.2% QoQ	-6.1K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	25%
Assets	$118.0M +5.7% YoY+3.4% QoQ	$-113.7M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Bottom 12.5% in tier
Loans	$83.2M +3.9% YoY+0.7% QoQ	$-60.9M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	26%
Deposits	$105.9M +5.5% YoY+3.6% QoQ	$-95.3M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Bottom 14.6% 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	0.4% +258.2% YoY+212.3% QoQ	-0.3%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	30%
NIM	3.7% -0.4% YoY-3.2% QoQ	+0.1%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	89.0% -4.8% YoY-3.1% QoQ	+11.0%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.5% -16.5% YoY-9.6% QoQ	-0.3	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	40%
Loan To Share	78.6% -1.5% YoY-2.8% QoQ	+8.2%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	65%
AMR	$20,853 +6.6% YoY+2.5% QoQ	$-4K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	38%
CD Concentration	29.2% +10.5% YoY+4.2% QoQ	+4.9%	24.3%	19.4%	19.8%	50%
Indirect Auto %	24.7% -10.9% YoY-1.2% QoQ	+10.9%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#318 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.60%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#206 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 89.02%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#182 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 5.70%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 24.68%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#399 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#467 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.92%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.48%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 (2 metrics)

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.35%

#83 of 1070 Top 7.7% in 100M-500M tier

245

AMR Growth Rate

growth

Value: 6.60%

Peer Median: 3.46%

#245 of 1070 Top 22.8% in 100M-500M tier

Top Weaknesses (5 metrics)

955

Net Worth Ratio

risk

Value: 8.73%

Peer Median: 11.45%

#955 of 1070 Bottom 10.8% in 100M-500M tier

936

Total Assets

balance_sheet

Value: $118.00M

Peer Median: $196.57M

#936 of 1070 Bottom 12.6% in 100M-500M tier

914

Total Deposits

balance_sheet

Value: $105.87M

Peer Median: $171.29M

#914 of 1070 Bottom 14.7% in 100M-500M tier

884

Efficiency Ratio

profitability

Value: 89.02%

Peer Median: 78.68%

#884 of 1070 Bottom 17.5% in 100M-500M tier

842

Indirect Auto Concentration (%)

balance_sheet

Value: 24.68%

Peer Median: 6.61%

#842 of 1070 Bottom 21.4% in 100M-500M tier