BlastPoint's Credit Union Scorecard

CINCINNATI OHIO POLICE

Charter #389 · OH

1077 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 5.2% in tier
+ Organic Growth Engine: Top 5.3% in tier
+ Emerging Performer: Top 34.7% in tier
+ ROA 0.18% above tier average
+ Strong member growth: 5.6% YoY
+ Asset Growth Rate: Top 4.4% in tier
+ Deposit Growth Rate: Top 4.7% in tier
+ Member Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.3% in tier
- Credit Risk Growth: Bottom 6.3% in tier
- Delinquency rate 0.26% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	11,284 +5.6% YoY+6.5% QoQ	-4.3K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	37%
Assets	$184.4M +13.9% YoY+7.4% QoQ	$-46.9M	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	45%
Loans	$105.3M +6.0% YoY+2.4% QoQ	$-42.5M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	38%
Deposits	$161.9M +14.0% YoY+7.8% QoQ	$-38.4M	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +162.5% YoY+39.7% QoQ	+0.2%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	64%
NIM	3.1% +7.5% YoY+0.1% QoQ	-0.5%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	24%
Efficiency Ratio	73.7% -15.1% YoY-5.1% QoQ	-3.6%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	36%
Delinquency Rate	1.1% +88.9% YoY+93.4% QoQ	+0.3	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	75%
Loan To Share	65.1% -6.9% YoY-5.0% QoQ	-7.6%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	31%
AMR	$23,683 +4.9% YoY-0.9% QoQ	$-681	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	58%
CD Concentration	15.5% -14.3% YoY-5.4% QoQ	-8.9%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.1% -61.4% YoY-23.6% QoQ	-13.9%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#70 of 430 • Top 5.2% in tier

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

Why This Signature

Member Growth (YoY): 5.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.08%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#99 of 603 • Top 5.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.97%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.08%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#67 of 191 • Top 34.7% 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: 0.97%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 5.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#131 of 736 • Bottom 5.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.53% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#95 of 446 • Bottom 6.3% in tier

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

Why This Signature

Loan Growth (YoY): 6.03%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.53% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | 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 1077 peers in tier

Top Strengths (6 metrics)

Asset Growth Rate

growth

Value: 13.92%

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.95%

Peer Avg: -

#52 of 1077 Top 4.7% in 100M-500M tier

Member Growth Rate

growth

Value: 5.56%

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

177

Fee Income Per Member

profitability

Value: $237.38

Peer Avg: -

#177 of 1077 Top 16.3% in 100M-500M tier

190

First Mortgage Concentration (%)

balance_sheet

Value: 13.53%

Peer Avg: -

#190 of 1077 Top 17.5% in 100M-500M tier

258

Share Certificate Concentration (%)

balance_sheet

Value: 15.51%

Peer Avg: -

#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (2 metrics)

818

Net Interest Margin (NIM)

profitability

Value: 3.12%

Peer Avg: -

#818 of 1077 Bottom 24.1% in 100M-500M tier

811

Total Delinquency Rate (60+ days)

risk

Value: 1.12%

Peer Avg: -

#811 of 1077 Bottom 24.8% in 100M-500M tier