BlastPoint's Credit Union Scorecard
DIRECTIONS
Charter #60978 · OH
DIRECTIONS has 4 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 33.7% in tier
- + Wallet Share Momentum: Top 43.5% in tier
- + Credit Quality Leader: Top 86.2% in tier
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.3% in tier
- - Indirect Auto Dependency: Bottom 7.6% in tier
- - Liquidity Strain: Bottom 14.5% in tier
- - Credit Risk Growth: Bottom 22.5% in tier
- - Credit Quality Pressure: Bottom 28.1% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 11.71% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,708
+0.7% YoY-0.1% QoQ
|
-4.0K |
98,678
-1.9% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$1.3B
+7.3% YoY-0.9% QoQ
|
$-381.3M |
$1.7B
+0.5% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$1.1B
+9.6% YoY+1.7% QoQ
|
$-128.7M |
$1.2B
+0.5% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$1.2B
+8.6% YoY-0.7% QoQ
|
$-297.8M |
$1.5B
+1.3% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
0.4%
-34.4% YoY-2.5% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
3.4%
-2.1% YoY+2.6% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
85.7%
+3.8% YoY+0.7% QoQ
|
+11.7% |
74.0%
-10.9% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 8.2% in tier |
| Delinquency Rate |
0.4%
+0.2% YoY+3.6% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
95.5%
+1.0% YoY+2.4% QoQ
|
+10.3% |
85.2%
-0.8% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$23,872
+8.4% YoY+0.5% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
18.7%
+8.7% YoY-1.8% QoQ
|
-10.3% |
29.0%
+0.7% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
Bottom 10.8% in tier |
| Indirect Auto % |
29.6%
+1.0% YoY-0.5% QoQ
|
+10.8% |
18.8%
-3.0% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
74% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)