BlastPoint's Credit Union Scorecard
ST. COLMAN & AFFILIATES
Charter #3462 · OH
ST. COLMAN & AFFILIATES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.54% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 0.44% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.5% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,079
+3.2% YoY+0.8% QoQ
|
+453 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$7.7M
-0.7% YoY-4.5% QoQ
|
$-22.1M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$5.2M
-5.2% YoY+2.1% QoQ
|
$-10.6M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$7.0M
-2.9% YoY-5.1% QoQ
|
$-18.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
0.4%
+25.5% YoY+4.3% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
5.5%
-1.9% YoY+1.7% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 7.4% in tier |
| Efficiency Ratio |
81.8%
-0.1% YoY-2.1% QoQ
|
+0.4% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.1%
+3688.1% YoY
|
-1.4 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
74.8%
-2.4% YoY+7.6% QoQ
|
+13.6% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$3,952
-6.9% YoY-2.9% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
14.0%
+8.8% YoY-6.7% QoQ
|
-10.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)