BlastPoint's Credit Union Scorecard

GLASS CITY

Charter #5495 · OH

100M-500M

1024 CUs in 100M-500M nationally 40 in OH

GLASS CITY has 2 strengths but faces 2 concerns

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 0.39% above tier average
+ Total Members: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 2.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
Shares and deposits +3.3% year over year ($286M in shares and deposits).
Membership: 27,251 members, +0.7% vs a year ago.
Delinquency rate 0.22%.
Return on assets 1.25%.
Efficiency ratio 73.52% vs a 76.73% peer average.
Loan-to-share ratio 81.29% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	27,251 +0.7% YoY+1.4% QoQ	+12.1K	15,168 -2.6% YoY	18,978 +16.2% YoY	34,678 +6.6% YoY	Top 9.2% in tier
Assets	$326.1M +4.2% YoY+0.6% QoQ	+$94.1M	$232.0M +0.7% YoY	$292.1M +20.6% YoY	$593.1M +10.2% YoY	78%
Loans	$232.5M +1.3% YoY+3.8% QoQ	+$86.3M	$146.3M +0.2% YoY	$203.0M +21.8% YoY	$418.6M +10.1% YoY	83%
Deposits	$286.1M +3.3% YoY+0.2% QoQ	+$85.4M	$200.7M +0.2% YoY	$251.0M +21.0% YoY	$504.8M +10.3% YoY	79%

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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% +33.0% YoY+9.6% QoQ	+0.4%	0.9% +12.5% YoY	0.9% +55.0% YoY	1.2% +121.4% YoY	78%
NIM	3.6% +5.7% YoY+3.1% QoQ	-0.1%	3.7% +4.5% YoY	3.7% +2.2% YoY	3.8% +2.3% YoY	44%
Efficiency Ratio	73.5% -2.1% YoY-1.9% QoQ	-3.2%	76.7% -0.8% YoY	79.2% -2.1% YoY	83.0% -5.3% YoY	37%
Delinquency Rate	0.2% -57.4% YoY+71.1% QoQ	-0.7	0.9% +6.6% YoY	1.1% -6.2% YoY	1.3% +2.6% YoY	Top 12.2% in tier
Loan To Share	81.3% -2.0% YoY+3.5% QoQ	+9.7%	71.5% -0.3% YoY	60.7% -4.2% YoY	66.4% -1.4% YoY	67%
AMR	$19,031 +1.7% YoY+0.4% QoQ	$-6K	$25,107 +3.2% YoY	$18,171 +7.2% YoY	$20,028 -0.9% YoY	26%
CD Concentration	26.3% +7.9% YoY+2.8% QoQ	+1.8%	24.6%	19.2%	20.0%	50%
Indirect Auto %	56.4% +3.1% YoY+2.6% QoQ	+42.8%	13.6%	11.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Indirect Auto Dependency

risk

#72 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.21%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 56.39%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 0.71%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 27,251

Peer Median: 13,128

#94 of 1024 Top 9.1% in 100M-500M tier

126

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.71%

#126 of 1024 Top 12.2% in 100M-500M tier

152

Members Per Employee (MPE)

engagement

Value: 425.797

Peer Median: 310.924

#152 of 1024 Top 14.7% in 100M-500M tier

173

Total Loans

balance_sheet

Value: $232.54M

Peer Median: $124.04M

#173 of 1024 Top 16.8% in 100M-500M tier

187

First Mortgage Concentration (%)

balance_sheet

Value: 13.94%

Peer Median: 29.92%

#187 of 1024 Top 18.2% in 100M-500M tier

213

Total Deposits

balance_sheet

Value: $286.07M

Peer Median: $170.77M

#213 of 1024 Top 20.7% in 100M-500M tier

225

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: 0.75%

#225 of 1024 Top 21.9% in 100M-500M tier

230

Total Assets

balance_sheet

Value: $326.13M

Peer Median: $196.38M

#230 of 1024 Top 22.4% in 100M-500M tier

Top Weaknesses (1 metrics)

995

Indirect Auto Concentration (%)

balance_sheet

Value: 56.39%

Peer Median: 6.15%

#995 of 1024 Bottom 2.9% in 100M-500M tier