BlastPoint's Credit Union Scorecard
FREMONT
Charter #5370 · OH
FREMONT has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + ROA 0.07% above tier average
- + Net Interest Margin 0.20% above tier average
- + Strong member growth: 5.8% YoY
- + Member Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.12% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,690
+5.8% YoY+1.4% QoQ
|
+7.5K |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$385.6M
+9.3% YoY+1.9% QoQ
|
+$153.9M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 13.3% in tier |
| Loans |
$252.8M
+7.7% YoY-1.1% QoQ
|
+$108.6M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Top 12.1% in tier |
| Deposits |
$331.5M
+9.3% YoY+2.3% QoQ
|
+$130.4M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Top 13.1% in tier |
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| ROA |
0.8%
-8.4% YoY-15.5% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
3.8%
+0.6% YoY-1.1% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
78.1%
+0.7% YoY+3.4% QoQ
|
+0.1% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.5%
-21.1% YoY-34.1% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
76.3%
-1.5% YoY-3.3% QoQ
|
+5.8% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$25,751
+2.7% YoY-0.6% QoQ
|
+$833 |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
26.8%
-1.4% YoY-4.6% QoQ
|
+2.5% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
13.1%
-0.9% YoY+1.5% QoQ
|
-0.7% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)