BlastPoint's Credit Union Scorecard

CINCINNATI OHIO POLICE

Charter #389 · OH

1069 CUs in 100M-500M nationally 58 in OH

CINCINNATI OHIO POLICE has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 15.1% in tier
+ Organic Growth Engine: Top 16.2% in tier
+ Emerging Performer: Top 40.3% in tier
+ ROA 0.14% above tier average
+ Strong member growth: 5.9% YoY
+ Deposit Growth Rate: Top 6.7% in tier
+ Member Growth Rate: Top 7.3% in tier
+ Asset Growth Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.6% in tier
- Credit Risk Growth: Bottom 16.3% in tier
- Delinquency rate 0.22% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	11,251 +5.9% YoY-0.3% QoQ	-4.2K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	38%
Assets	$188.0M +11.8% YoY+2.0% QoQ	$-43.9M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	47%
Loans	$107.3M +7.0% YoY+1.9% QoQ	$-40.0M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	39%
Deposits	$165.3M +12.2% YoY+2.1% QoQ	$-35.5M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	47%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +71.9% YoY-6.5% QoQ	+0.1%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	61%
NIM	3.1% +5.8% YoY-1.2% QoQ	-0.5%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	74.2% -9.9% YoY+0.7% QoQ	-2.8%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	37%
Delinquency Rate	1.1% +128.2% YoY-0.7% QoQ	+0.2	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	74%
Loan To Share	64.9% -4.7% YoY-0.2% QoQ	-7.3%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	32%
AMR	$24,234 +4.0% YoY+2.3% QoQ	$-442	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	59%
CD Concentration	15.1% -5.2% YoY-2.5% QoQ	-9.3%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.6% +306.0% YoY+718.3% QoQ	-13.2%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#65 of 426 • Top 15.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.91%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.64%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#97 of 595 • Top 16.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.91%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.64%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#74 of 182 • Top 40.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 5.91%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#90 of 705 • Bottom 12.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.62% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#75 of 456 • Bottom 16.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.01%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.62% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Deposit Growth Rate

growth

Value: 12.23%

Peer Median: -

#73 of 1069 Top 6.7% in 100M-500M tier

Member Growth Rate

growth

Value: 5.91%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.79%

Peer Median: -

#87 of 1069 Top 8.0% in 100M-500M tier

162

Fee Income Per Member

profitability

Value: $244.85

Peer Median: -

#162 of 1069 Top 15.1% in 100M-500M tier

180

First Mortgage Concentration (%)

balance_sheet

Value: 13.35%

Peer Median: -

#180 of 1069 Top 16.7% in 100M-500M tier

244

Share Certificate Concentration (%)

balance_sheet

Value: 15.13%

Peer Median: -

#244 of 1069 Top 22.7% in 100M-500M tier

Top Weaknesses (1 metrics)

839

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: -

#839 of 1069 Bottom 21.6% in 100M-500M tier