BlastPoint's Credit Union Scorecard

INTEGRITY

Charter #475 · OH

2556 CUs in <100M nationally 118 in OH

INTEGRITY has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.60% above tier average
+ Total Deposits: Top 8.9% in tier
+ Asset Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	5,732 +0.5% YoY0% QoQ	+3.1K	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	Top 10.4% in tier
Assets	$72.7M +9.7% YoY+1.5% QoQ	+$42.6M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	Top 11.2% in tier
Loans	$39.5M +2.5% YoY+2.7% QoQ	+$23.8M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	Top 10.8% in tier
Deposits	$65.9M +9.0% YoY+1.3% QoQ	+$40.2M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	Top 8.9% in tier

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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	1.2% +52.1% YoY-14.1% QoQ	+0.6%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	75%
NIM	3.4% +11.0% YoY-1.1% QoQ	-0.5%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	32%
Efficiency Ratio	67.4% -8.8% YoY+7.6% QoQ	-15.2%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	22%
Delinquency Rate	0.2% -58.5% YoY-46.6% QoQ	-1.4	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	23%
Loan To Share	60.0% -6.0% YoY+1.3% QoQ	-0.6%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	49%
AMR	$18,389 +5.9% YoY+1.8% QoQ	+$4K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	72%
CD Concentration	25.1% +18.0% YoY+1.0% QoQ	+0.6%	24.4%	19.4%	19.8%	50%
Indirect Auto %	13.3% -75.5% YoY-69.0% QoQ	-0.5%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (11 metrics)

228

Total Deposits

balance_sheet

Value: $65.88M

Peer Median: -

#228 of 2556 Top 8.9% in <100M tier

235

Asset Growth Rate

growth

Value: 9.70%

Peer Median: -

#235 of 2556 Top 9.2% in <100M tier

266

Total Members

engagement

Value: 5,732

Peer Median: -

#266 of 2556 Top 10.4% in <100M tier

276

Total Loans

balance_sheet

Value: $39.52M

Peer Median: -

#276 of 2556 Top 10.8% in <100M tier

285

Deposit Growth Rate

growth

Value: 9.02%

Peer Median: -

#285 of 2556 Top 11.1% in <100M tier

285

Total Assets

balance_sheet

Value: $72.75M

Peer Median: -

#285 of 2556 Top 11.1% in <100M tier

569

Efficiency Ratio

profitability

Value: 67.39%

Peer Median: -

#569 of 2556 Top 22.2% in <100M tier

583

AMR Growth Rate

growth

Value: 5.90%

Peer Median: -

#583 of 2556 Top 22.8% in <100M tier

599

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Median: -

#599 of 2556 Top 23.4% in <100M tier

625

Fee Income Per Member

profitability

Value: $121.09

Peer Median: -

#625 of 2556 Top 24.4% in <100M tier

Top Weaknesses (3 metrics)

2360

Indirect Auto Concentration (%)

balance_sheet

Value: 13.31%

Peer Median: -

#2360 of 2556 Bottom 7.7% in <100M tier

2285

Net Worth Ratio

risk

Value: 9.16%

Peer Median: -

#2285 of 2556 Bottom 10.6% in <100M tier

1921

Share Certificate Concentration (%)

balance_sheet

Value: 25.06%

Peer Median: -

#1921 of 2556 Bottom 24.9% in <100M tier