BlastPoint's Credit Union Scorecard
SHAKER HEIGHTS
Charter #3787 · OH
2556 CUs in <100M nationally
118 in OH
SHAKER HEIGHTS has 4 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Efficiency ratio 17.07% above tier (higher cost structure)
- - Delinquency rate 15.53% above tier average
- - Member decline: -11.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Total Members: Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 4.1% in tier
- - Member Growth Rate: Bottom 4.1% in tier
- - Fee Income Per Member: Bottom 5.6% in tier
- - Total Assets: Bottom 6.6% in tier
- - Total Loans: Bottom 6.7% in tier
- - Total Deposits: Bottom 6.7% in tier
- - Members Per Employee (MPE): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
134
-11.8% YoY-3.6% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 2.5% in tier |
| Assets |
$1.2M
-3.4% YoY-0.7% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.6% in tier |
| Loans |
$426,128
-23.2% YoY-10.1% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.6% in tier |
| Deposits |
$932,890
-4.4% YoY-0.9% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.7% in tier |
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| ROA |
0.0%
-72.7% YoY-12.2% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
3.1%
-10.5% YoY+0.7% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
99.6%
+0.8% YoY+0.1% QoQ
|
+17.1% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 11.4% in tier |
| Delinquency Rate |
17.1%
-1.6% YoY+14.7% QoQ
|
+15.5 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 1.3% in tier |
| Loan To Share |
45.7%
-19.7% YoY-9.3% QoQ
|
-14.9% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$10,142
+0.7% YoY-0.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
331
Net Worth Ratio
risk
Value:
23.83%
Peer Median: -
#331 of 2556
Top 12.9% in <100M tier
Top Weaknesses (14 metrics)
2524
Total Delinquency Rate (60+ days)
risk
Value:
17.09%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2493
Total Members
engagement
Value:
134
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2453
Loan Growth Rate
growth
Value:
-23.21%
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2452
Member Growth Rate
growth
Value:
-11.84%
Peer Median: -
#2452 of 2556
Bottom 4.1% in <100M tier
2414
Fee Income Per Member
profitability
Value:
$0.50
Peer Median: -
#2414 of 2556
Bottom 5.6% in <100M tier
2388
Total Assets
balance_sheet
Value:
$1.23M
Peer Median: -
#2388 of 2556
Bottom 6.6% in <100M tier
2387
Total Loans
balance_sheet
Value:
$426,128
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2386
Total Deposits
balance_sheet
Value:
$932,890
Peer Median: -
#2386 of 2556
Bottom 6.7% in <100M tier
2334
Members Per Employee (MPE)
engagement
Value:
134.000
Peer Median: -
#2334 of 2556
Bottom 8.7% in <100M tier
2266
Efficiency Ratio
profitability
Value:
99.63%
Peer Median: -
#2266 of 2556
Bottom 11.4% in <100M tier