BlastPoint's Credit Union Scorecard
JEEP COUNTRY
Charter #2918 · OH
2556 CUs in <100M nationally
118 in OH
JEEP COUNTRY has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 0.2% in tier
- + Members Per Employee (MPE): Top 7.6% in tier
- + Total Deposits: Top 8.6% in tier
- + Fee Income Per Member: Top 8.8% in tier
- + Total Assets: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 7.24% above tier (higher cost structure)
- - Delinquency rate 3.32% above tier average
- - Member decline: -3.3% YoY
- - Deposit Growth Rate: Bottom 4.1% in tier
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Asset Growth Rate: Bottom 5.1% in tier
- - Indirect Auto Concentration (%): Bottom 5.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,783
-3.3% YoY+0.4% QoQ
|
+12.2K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 0.2% in tier |
| Assets |
$76.6M
-9.6% YoY+1.3% QoQ
|
+$46.5M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 9.2% in tier |
| Loans |
$34.3M
-12.2% YoY-4.4% QoQ
|
+$18.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 14.6% in tier |
| Deposits |
$66.3M
-12.7% YoY+0.2% QoQ
|
+$40.6M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 8.6% in tier |
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| ROA |
-0.2%
-80.4% YoY-757.1% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.1% in tier |
| NIM |
3.4%
+29.6% YoY+0.5% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
89.8%
-15.9% YoY+2.8% QoQ
|
+7.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
4.9%
+3.5% YoY-15.1% QoQ
|
+3.3 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 6.4% in tier |
| Loan To Share |
51.7%
+0.6% YoY-4.6% QoQ
|
-8.9% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$6,800
-9.5% YoY-1.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
19.1%
-31.0% YoY-1.7% QoQ
|
-5.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
19.2%
-16.8% YoY-6.5% QoQ
|
+5.4% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
5
Total Members
engagement
Value:
14,783
Peer Median: -
#5 of 2556
Top 0.2% in <100M tier
195
Members Per Employee (MPE)
engagement
Value:
591.320
Peer Median: -
#195 of 2556
Top 7.6% in <100M tier
221
Total Deposits
balance_sheet
Value:
$66.26M
Peer Median: -
#221 of 2556
Top 8.6% in <100M tier
225
Fee Income Per Member
profitability
Value:
$181.93
Peer Median: -
#225 of 2556
Top 8.8% in <100M tier
235
Total Assets
balance_sheet
Value:
$76.60M
Peer Median: -
#235 of 2556
Top 9.2% in <100M tier
372
Total Loans
balance_sheet
Value:
$34.27M
Peer Median: -
#372 of 2556
Top 14.5% in <100M tier
Top Weaknesses (10 metrics)
2453
Deposit Growth Rate
growth
Value:
-12.73%
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2443
Net Charge-Off Rate
risk
Value:
2.46%
Peer Median: -
#2443 of 2556
Bottom 4.5% in <100M tier
2427
Asset Growth Rate
growth
Value:
-9.61%
Peer Median: -
#2427 of 2556
Bottom 5.1% in <100M tier
2408
Indirect Auto Concentration (%)
balance_sheet
Value:
19.16%
Peer Median: -
#2408 of 2556
Bottom 5.8% in <100M tier
2393
Total Delinquency Rate (60+ days)
risk
Value:
4.88%
Peer Median: -
#2393 of 2556
Bottom 6.4% in <100M tier
2379
AMR Growth Rate
growth
Value:
-9.53%
Peer Median: -
#2379 of 2556
Bottom 7.0% in <100M tier
2247
Return on Assets (ROA)
profitability
Value:
-0.22%
Peer Median: -
#2247 of 2556
Bottom 12.1% in <100M tier
2191
Average Member Relationship (AMR)
engagement
Value:
$6,800
Peer Median: -
#2191 of 2556
Bottom 14.3% in <100M tier
2165
Loan Growth Rate
growth
Value:
-12.19%
Peer Median: -
#2165 of 2556
Bottom 15.3% in <100M tier
2138
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,318
Peer Median: -
#2138 of 2556
Bottom 16.4% in <100M tier