BlastPoint's Credit Union Scorecard
SHAKER HEIGHTS
Charter #3787 · OH
SHAKER HEIGHTS faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.48% below tier average
- - Efficiency ratio 10.87% above tier (higher cost structure)
- - Delinquency rate 14.41% above tier average
- - Member decline: -7.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Total Members: Bottom 2.3% in tier
- - Total Assets: Bottom 6.2% in tier
- - Total Deposits: Bottom 6.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -5.8% year over year ($912K in shares and deposits).
- Membership: 131 members, -7.1% vs a year ago.
- Delinquency rate 15.96%.
- Return on assets 0.01%.
- Efficiency ratio 99.63% vs a 88.77% peer average.
- Loan-to-share ratio 50.45% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131
-7.1% YoY-2.2% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 2.2% in tier |
| Assets |
$1.2M
-4.7% YoY-2.4% QoQ
|
$-29.1M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.2% in tier |
| Loans |
$460,037
-8.5% YoY+15.9% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.2% in tier |
| Deposits |
$911,798
-5.8% YoY-2.9% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.4% in tier |
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| ROA | 0.0% | -1.5% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.7% in tier |
| NIM |
3.2%
-1.5% YoY-1.2% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
99.6%
+0.1% YoY-0.1% QoQ
|
+10.9% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate |
16.0%
+10.6% YoY-18.2% QoQ
|
+14.4 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
50.5%
-2.9% YoY+19.4% QoQ
|
-8.4% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$10,472
+0.4% YoY+5.1% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 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)