BlastPoint's Credit Union Scorecard

CHRISTO REY

Charter #5524 · OH

<100M

2508 CUs in <100M nationally 116 in OH

CHRISTO REY demonstrates 6 strengths

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 3.29% above tier average
+ Net Interest Margin 0.19% above tier average
+ Efficiency Ratio: Top 0.4% in tier
+ Asset Growth Rate: Top 3.3% in tier
+ Deposit Growth Rate: Top 3.8% in tier
+ AMR Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	525 0% YoY-0.4% QoQ	-2.2K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Bottom 14.2% in tier
Assets	$3.6M +13.6% YoY+3.5% QoQ	$-26.6M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Bottom 14.5% in tier
Loans	$1.6M +4.8% YoY+8.2% QoQ	$-13.7M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	15%
Deposits	$3.2M +13.9% YoY+2.9% QoQ	$-22.5M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	16%

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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	3.4% +237.8% YoY+259.3% QoQ	+3.3%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Top 1.6% in tier
NIM	4.2% +122.2% YoY+144.8% QoQ	+0.2%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	18.7% -59.6% YoY-61.0% QoQ	-71.9%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Top 0.4% in tier
Delinquency Rate	0.2% +196.8% YoY	-1.3	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	31%
Loan To Share	48.3% -7.9% YoY+5.2% QoQ	-10.2%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	34%
AMR	$9,142 +10.7% YoY+5.0% QoQ	$-6K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	24%
CD Concentration	0.0%	-24.3%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

Efficiency Ratio

profitability

Value: 18.72%

Peer Median: 81.45%

#11 of 2508 Top 0.4% in <100M tier

Return on Assets (ROA)

profitability

Value: 3.44%

Peer Median: 0.61%

#40 of 2508 Top 1.6% in <100M tier

Asset Growth Rate

growth

Value: 13.65%

Peer Median: 1.30%

#83 of 2508 Top 3.3% in <100M tier

Deposit Growth Rate

growth

Value: 13.86%

Peer Median: 0.66%

#96 of 2508 Top 3.8% in <100M tier

211

AMR Growth Rate

growth

Value: 10.75%

Peer Median: 1.27%

#211 of 2508 Top 8.4% in <100M tier

311

Members Per Employee (MPE)

engagement

Value: 525.000

Peer Median: 333.750

#311 of 2508 Top 12.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (8 metrics)

2257

Net Worth Ratio

risk

Value: 9.00%

Peer Median: 14.28%

#2257 of 2508 Bottom 10.0% in <100M tier

2255

Fee Income Per Member

profitability

Value: $1.90

Peer Median: $60.42

#2255 of 2508 Bottom 10.1% in <100M tier

2151

Total Members

engagement

Value: 525

Peer Median: 1,918

#2151 of 2508 Bottom 14.3% in <100M tier

2145

Total Assets

balance_sheet

Value: $3.58M

Peer Median: $21.86M

#2145 of 2508 Bottom 14.5% in <100M tier

2125

Total Loans

balance_sheet

Value: $1.56M

Peer Median: $9.48M

#2125 of 2508 Bottom 15.3% in <100M tier

2097

Total Deposits

balance_sheet

Value: $3.24M

Peer Median: $18.77M

#2097 of 2508 Bottom 16.4% in <100M tier

1911

Average Member Relationship (AMR)

engagement

Value: $9,142

Peer Median: $13,926

#1911 of 2508 Bottom 23.8% in <100M tier

1894

Loan-to-Member Ratio (LMR)

engagement

Value: $2,976

Peer Median: $4,923

#1894 of 2508 Bottom 24.5% in <100M tier