BlastPoint's Credit Union Scorecard
CME
Charter #294 · OH
CME has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Total Deposits: Top 0.9% in tier
- + Total Loans: Top 1.1% in tier
- + Total Members: Top 1.9% in tier
- + Total Assets: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 32.0% in tier
- - Membership Headwinds: Bottom 32.6% in tier
- - ROA 0.40% below tier average
- - Net Worth Ratio: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,572
-0.6% YoY+0.1% QoQ
|
+22.9K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 2.0% in tier |
| Assets |
$465.6M
+3.5% YoY-1.9% QoQ
|
+$234.3M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 3.5% in tier |
| Loans |
$364.5M
+0.5% YoY+5.3% QoQ
|
+$216.7M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Top 1.2% in tier |
| Deposits |
$426.7M
+3.3% YoY-2.3% QoQ
|
+$226.4M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Top 1.0% in tier |
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| ROA |
0.4%
+51.4% YoY+1.7% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.7%
+8.1% YoY+3.3% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
76.8%
-5.9% YoY+2.8% QoQ
|
-0.5% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.7%
-0.6% YoY+12.2% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
85.4%
-2.7% YoY+7.7% QoQ
|
+12.7% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$20,512
+2.6% YoY+1.0% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
27.3%
+20.7% YoY+5.4% QoQ
|
+2.9% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
7.4%
-30.8% YoY-12.6% QoQ
|
-6.5% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)