BlastPoint's Credit Union Scorecard

CHIVAHO

Charter #5741 · OH

<100M

2508 CUs in <100M nationally 116 in OH

CHIVAHO has 1 strength but faces 3 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 0.61% above tier average

Key Concerns

Areas that may need attention

- Member decline: -4.3% YoY
- Net Charge-Off Rate: Bottom 6.5% in tier
- First Mortgage Concentration (%): Bottom 7.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	2,227 -4.3% YoY-0.4% QoQ	-449	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	57%
Assets	$36.9M +0.7% YoY+0.4% QoQ	+$6.7M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	66%
Loans	$15.1M -1.7% YoY-1.8% QoQ	$-200K	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	62%
Deposits	$31.7M +0.3% YoY+0.7% QoQ	+$5.9M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% 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% -1.4% YoY+6.5% QoQ	+0.6%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	58%
NIM	3.1% +10.6% YoY+6.3% QoQ	-0.9%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	66.9% -9.3% YoY-12.5% QoQ	-23.8%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	0.5% +44.3% YoY-29.6% QoQ	-1.0	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	45%
Loan To Share	47.5% -2.1% YoY-2.5% QoQ	-11.0%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	32%
AMR	$21,016 +4.1% YoY+0.2% QoQ	+$6K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	82%
CD Concentration	17.3% -8.2% YoY-1.1% QoQ	-7.0%	24.3%	19.4%	19.8%	50%
Indirect Auto %	5.2% +6.2% QoQ	-8.6%	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 (3 metrics)

293

Fee Income Per Member

profitability

Value: $148.62

Peer Median: $60.42

#293 of 2508 Top 11.6% in <100M tier

464

Average Member Relationship (AMR)

engagement

Value: $21,016

Peer Median: $13,926

#464 of 2508 Top 18.5% in <100M tier

517

Efficiency Ratio

profitability

Value: 66.87%

Peer Median: 81.45%

#517 of 2508 Top 20.6% in <100M tier

Top Weaknesses (5 metrics)

2345

Net Charge-Off Rate

risk

Value: 2.01%

Peer Median: 0.07%

#2345 of 2508 Bottom 6.5% in <100M tier

2327

First Mortgage Concentration (%)

balance_sheet

Value: 52.25%

Peer Median: 3.66%

#2327 of 2508 Bottom 7.3% in <100M tier

2245

Indirect Auto Concentration (%)

balance_sheet

Value: 5.21%

Peer Median: 0.00%

#2245 of 2508 Bottom 10.5% in <100M tier

1984

Member Growth Rate

growth

Value: -4.30%

Peer Median: -1.37%

#1984 of 2508 Bottom 20.9% in <100M tier

1979

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: 3.83%

#1979 of 2508 Bottom 21.1% in <100M tier