BlastPoint's Credit Union Scorecard

ST. JOSEPHS CANTON PARISH

Charter #4884 · OH

<100M

2508 CUs in <100M nationally 116 in OH

ST. JOSEPHS CANTON PARISH has 2 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 0.73% above tier average
+ Total Members: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 4.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	5,801 -1.3% YoY-0.2% QoQ	+3.1K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 9.7% in tier
Assets	$63.6M -1.5% YoY+2.5% QoQ	+$33.4M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	84%
Loans	$22.3M -4.8% YoY-1.4% QoQ	+$7.1M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	74%
Deposits	$56.3M -2.9% YoY+2.5% QoQ	+$30.5M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Top 14.4% 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	0.9% +13.1% YoY-20.5% QoQ	+0.7%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	63%
NIM	3.6% +1.6% YoY-2.2% QoQ	-0.4%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	79.4% -0.8% YoY+6.0% QoQ	-11.2%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	44%
Delinquency Rate	0.2% +164.3% YoY-15.9% QoQ	-1.3	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	29%
Loan To Share	39.7% -2.0% YoY-3.9% QoQ	-18.8%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	22%
AMR	$13,551 -2.2% YoY+1.5% QoQ	$-1K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	48%
CD Concentration	5.8% -11.6% YoY+3.2% QoQ	-18.5%	24.3%	19.4%	19.8%	50%
Indirect Auto %	29.3% -2.4% YoY-0.9% QoQ	+15.5%	13.8%	11.4%	7.7%	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 2508 peers in tier

Top Strengths (3 metrics)

244

Total Members

engagement

Value: 5,801

Peer Median: 1,918

#244 of 2508 Top 9.7% in <100M tier

362

Total Deposits

balance_sheet

Value: $56.26M

Peer Median: $18.77M

#362 of 2508 Top 14.4% in <100M tier

389

Total Assets

balance_sheet

Value: $63.59M

Peer Median: $21.86M

#389 of 2508 Top 15.5% in <100M tier

Top Weaknesses (2 metrics)

2409

Indirect Auto Concentration (%)

balance_sheet

Value: 29.34%

Peer Median: 0.00%

#2409 of 2508 Bottom 4.0% in <100M tier

1958

Loan-to-Share Ratio

balance_sheet

Value: 39.72%

Peer Median: 58.72%

#1958 of 2508 Bottom 22.0% in <100M tier