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 0.14% below tier average
- - Efficiency ratio 9.14% above tier (higher cost structure)
- - Delinquency rate 18.00% above tier average
- - Member decline: -6.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Total Members: Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 6.4% in tier
- - Total Assets: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
134
-6.3% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Bottom 2.4% in tier |
| Assets |
$1.2M
-2.3% YoY+0.4% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.5% in tier |
| Loans |
$396,772
-19.8% YoY-6.9% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.5% in tier |
| Deposits |
$938,845
-2.9% YoY+0.6% QoQ
|
$-24.8M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.7% in tier |
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| ROA | 0.0% | -0.1% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
3.2%
-7.1% YoY+3.2% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
99.8%
+0.2% YoY+0.1% QoQ
|
+9.1% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
19.5%
+29.1% YoY+14.2% QoQ
|
+18.0 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
42.3%
-17.4% YoY-7.5% QoQ
|
-16.2% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$9,967
-2.5% YoY-1.7% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration | 0.0% | -24.3% | 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)