BlastPoint's Credit Union Scorecard
INTEGRITY
Charter #475 · OH
INTEGRITY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Asset Growth Rate: Top 7.6% in tier
- + Deposit Growth Rate: Top 8.3% in tier
- + Total Deposits: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 2.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,732
+1.1% YoY-0.3% QoQ
|
+3.1K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 10.6% in tier |
| Assets |
$71.7M
+10.6% YoY+3.4% QoQ
|
+$41.8M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 11.6% in tier |
| Loans |
$38.5M
+2.1% YoY-1.8% QoQ
|
+$22.7M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Top 11.5% in tier |
| Deposits |
$65.0M
+10.2% YoY+3.4% QoQ
|
+$39.6M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Top 9.2% in tier |
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| ROA |
1.4%
+54.4% YoY-1.0% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
3.5%
+16.8% YoY-1.8% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
62.6%
-15.3% YoY-3.1% QoQ
|
-18.8% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.3%
-33.3% YoY-12.2% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
59.2%
-7.4% YoY-5.0% QoQ
|
-2.0% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$18,061
+5.9% YoY+1.7% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
24.8%
+30.4% YoY+4.3% QoQ
|
+0.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
42.9%
-21.3% YoY-21.5% QoQ
|
+29.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)