BlastPoint's Credit Union Scorecard
EMERY
Charter #3360 · OH
EMERY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 90.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.1% in tier
- - Credit Quality Pressure: Bottom 20.3% in tier
- - Membership Headwinds: Bottom 23.4% in tier
- - Institutional Decline: Bottom 23.8% in tier
- - Stagnation Risk: Bottom 29.4% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 6.30% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,915
-1.5% YoY-0.0% QoQ
|
-2.7K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$196.5M
+0.4% YoY-2.4% QoQ
|
$-34.8M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$143.3M
-4.1% YoY-1.7% QoQ
|
$-4.5M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$176.9M
+5.4% YoY-1.1% QoQ
|
$-23.4M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.2%
+3.4% YoY-52.2% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.9% in tier |
| NIM |
2.9%
+3.4% YoY+2.0% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
83.6%
-9.6% YoY+0.7% QoQ
|
+6.3% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.4%
+33.6% YoY-34.7% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
81.0%
-9.0% YoY-0.6% QoQ
|
+8.3% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$24,794
+2.4% YoY-1.3% QoQ
|
+$430 |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
30.7%
+3.2% YoY+0.0% QoQ
|
+6.3% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.3%
+22.5% YoY+2.1% QoQ
|
-9.7% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)