BlastPoint's Credit Union Scorecard
JEEP COUNTRY
Charter #2918 · OH
2596 CUs in <100M nationally
121 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
- + Fee Income Per Member: Top 6.8% in tier
- + Members Per Employee (MPE): Top 7.0% in tier
- + Total Deposits: Top 8.6% in tier
- + Total Assets: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 5.92% above tier (higher cost structure)
- - Delinquency rate 4.24% above tier average
- - Member decline: -3.8% YoY
- - Asset Growth Rate: Bottom 2.9% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
- - Indirect Auto Concentration (%): Bottom 5.7% in tier
- - Net Charge-Off Rate: Bottom 6.3% in tier
- - AMR Growth Rate: 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 |
14,720
-3.8% YoY-6.3% QoQ
|
+12.1K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 0.2% in tier |
| Assets |
$75.6M
-13.1% YoY-1.9% QoQ
|
+$45.7M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 9.4% in tier |
| Loans |
$35.8M
-11.7% YoY-3.6% QoQ
|
+$20.1M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Top 13.5% in tier |
| Deposits |
$66.1M
-13.4% YoY-4.9% QoQ
|
+$40.6M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Top 8.7% in tier |
| ROA |
0.0%
-106.4% YoY-105.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
3.4%
+32.3% YoY+14.7% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
87.3%
-11.7% YoY-10.6% QoQ
|
+5.9% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
5.7%
+40.7% YoY+16.7% QoQ
|
+4.2 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 5.0% in tier |
| Loan To Share |
54.2%
+1.9% YoY+1.3% QoQ
|
-7.0% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$6,924
-9.3% YoY+2.0% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.8% in tier |
| CD Concentration |
19.4%
-31.3% YoY+11.1% QoQ
|
-5.0% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
20.5%
-39.9% YoY-5.0% QoQ
|
+6.5% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)
6
Total Members
engagement
Value:
14,720
Peer Avg: 2,626
#6 of 2596
Top 0.2% in <100M tier
178
Fee Income Per Member
profitability
Value:
$196.86
Peer Avg: $182.96
#178 of 2596
Top 6.8% in <100M tier
182
Members Per Employee (MPE)
engagement
Value:
613.333
Peer Avg: 365.701
#182 of 2596
Top 7.0% in <100M tier
225
Total Deposits
balance_sheet
Value:
$66.10M
Peer Avg: $25.45M
#225 of 2596
Top 8.6% in <100M tier
245
Total Assets
balance_sheet
Value:
$75.58M
Peer Avg: $29.86M
#245 of 2596
Top 9.4% in <100M tier
351
Total Loans
balance_sheet
Value:
$35.83M
Peer Avg: $15.77M
#351 of 2596
Top 13.5% in <100M tier
Top Weaknesses (11 metrics)
2521
Asset Growth Rate
growth
Value:
-13.10%
Peer Avg: 1.82%
#2521 of 2596
Bottom 2.9% in <100M tier
2489
Deposit Growth Rate
growth
Value:
-13.38%
Peer Avg: 16.80%
#2489 of 2596
Bottom 4.2% in <100M tier
2468
Total Delinquency Rate (60+ days)
risk
Value:
5.74%
Peer Avg: 1.51%
#2468 of 2596
Bottom 5.0% in <100M tier
2448
Indirect Auto Concentration (%)
balance_sheet
Value:
20.48%
Peer Avg: 2.84%
#2448 of 2596
Bottom 5.7% in <100M tier
2433
Net Charge-Off Rate
risk
Value:
1.87%
Peer Avg: 0.57%
#2433 of 2596
Bottom 6.3% in <100M tier
2378
AMR Growth Rate
growth
Value:
-9.33%
Peer Avg: 4.67%
#2378 of 2596
Bottom 8.4% in <100M tier
2212
Average Member Relationship (AMR)
engagement
Value:
$6,924
Peer Avg: $14,627
#2212 of 2596
Bottom 14.8% in <100M tier
2154
Loan Growth Rate
growth
Value:
-11.69%
Peer Avg: 59.01%
#2154 of 2596
Bottom 17.1% in <100M tier
2146
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,434
Peer Avg: $5,488
#2146 of 2596
Bottom 17.4% in <100M tier
2141
Return on Assets (ROA)
profitability
Value:
0.03%
Peer Avg: 0.68%
#2141 of 2596
Bottom 17.6% in <100M tier