BlastPoint's Credit Union Scorecard
ST. COLMAN & AFFILIATES
Charter #3462 · OH
ST. COLMAN & AFFILIATES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 2.07% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -6.3% YoY
- - Average Member Relationship (AMR): Bottom 6.5% in tier
- - Net Worth Ratio: Bottom 8.5% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,849
-6.3% YoY+0.5% QoQ
|
+172 |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$7.5M
-5.7% YoY-2.8% QoQ
|
$-22.7M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$5.1M
-1.2% YoY-0.0% QoQ
|
$-10.2M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$6.7M
-8.1% YoY-3.2% QoQ
|
$-19.1M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
0.5%
+41.4% YoY+26.2% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
6.1%
+12.0% YoY+4.9% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
77.5%
-11.3% YoY-4.9% QoQ
|
-13.1% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
0.6%
-54.6% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
76.2%
+7.5% YoY+3.3% QoQ
|
+17.7% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$4,134
+1.1% YoY-2.3% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.5% in tier |
| CD Concentration |
15.8%
+4.7% YoY+15.4% QoQ
|
-8.5% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 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)