BlastPoint's Credit Union Scorecard
GLASS CITY
Charter #5495 · OH
GLASS CITY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.5% in tier
- - Credit Quality Pressure: Bottom 7.7% in tier
- - Indirect Auto Concentration (%): Bottom 2.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,501
-0.4% YoY-2.1% QoQ
|
+10.9K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 10.6% in tier |
| Assets |
$311.2M
+5.8% YoY-0.6% QoQ
|
+$79.9M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$228.0M
-0.6% YoY-0.7% QoQ
|
+$80.2M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
82% |
| Deposits |
$274.0M
+6.6% YoY-1.0% QoQ
|
+$73.7M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
1.0%
+33.9% YoY+8.8% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
67% |
| NIM |
3.5%
+8.1% YoY+2.4% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
74.5%
-4.4% YoY-0.8% QoQ
|
-2.8% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.5%
+409.5% YoY-4.5% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
83.2%
-6.8% YoY+0.3% QoQ
|
+10.5% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$18,940
+3.6% YoY+1.2% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
25.6%
+45.1% YoY+4.9% QoQ
|
+1.2% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
55.0%
-1.7% YoY+0.6% QoQ
|
+41.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)