BlastPoint's Credit Union Scorecard

CHIVAHO

Charter #5741 · OH

2596 CUs in <100M nationally 121 in OH

CHIVAHO has 1 strength 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 0.09% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.6% YoY
- First Mortgage Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	2,329 -2.6% YoY-0.3% QoQ	-296	2,625 -2.2% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	58%
Assets	$36.3M +5.1% YoY+0.1% QoQ	+$6.5M	$29.9M +1.1% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	66%
Loans	$15.5M -2.0% YoY+1.0% QoQ	$-302K	$15.8M -2.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	62%
Deposits	$31.2M +5.4% YoY+0.1% QoQ	+$5.8M	$25.5M +0.4% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	67%

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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	0.8% +47.0% YoY-7.0% QoQ	+0.1%	0.7% -731.4% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	51%
NIM	2.9% +17.7% YoY+1.9% QoQ	-1.0%	3.9% +3.8% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	15%
Efficiency Ratio	74.4% -11.3% YoY-0.5% QoQ	-7.0%	81.4% -2.4% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	41%
Delinquency Rate	0.4% +41.7% YoY+22.9% QoQ	-1.1	1.5% -2.0% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	38%
Loan To Share	49.5% -7.1% YoY+0.8% QoQ	-11.7%	61.2% -3.0% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	32%
AMR	$20,044 +5.6% YoY+0.7% QoQ	+$5K	$14,627 -2.7% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	80%
CD Concentration	20.1% +8.0% YoY-0.1% QoQ	-4.3%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	3.3% +463.7% QoQ	-10.6%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (4 metrics)

530

Average Member Relationship (AMR)

engagement

Value: $20,044

Peer Avg: -

#530 of 2596 Top 20.4% in <100M tier

557

Fee Income Per Member

profitability

Value: $126.41

Peer Avg: -

#557 of 2596 Top 21.4% in <100M tier

573

Deposit Growth Rate

growth

Value: 5.41%

Peer Avg: -

#573 of 2596 Top 22.0% in <100M tier

605

AMR Growth Rate

growth

Value: 5.60%

Peer Avg: -

#605 of 2596 Top 23.3% in <100M tier

Top Weaknesses (3 metrics)

2436

First Mortgage Concentration (%)

balance_sheet

Value: 53.66%

Peer Avg: -

#2436 of 2596 Bottom 6.2% in <100M tier

2273

Indirect Auto Concentration (%)

balance_sheet

Value: 3.33%

Peer Avg: -

#2273 of 2596 Bottom 12.5% in <100M tier

2197

Net Interest Margin (NIM)

profitability

Value: 2.90%

Peer Avg: -

#2197 of 2596 Bottom 15.4% in <100M tier