BlastPoint's Credit Union Scorecard
DIRECTIONS
Charter #60978 · OH
DIRECTIONS has 4 strengths but faces 2 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
- + Emerging Performer: Top 23.7% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.19% above tier average
- + Share Certificate Concentration (%): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34.9% in tier
- - Indirect Auto Dependency: Bottom 63.4% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in Ohio.
- Shares and deposits +4.4% year over year ($1.22B in shares and deposits).
- Membership: 97,609 members, +3.0% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 1.14%.
- Efficiency ratio 67.80% vs a 73.02% peer average.
- Loan-to-share ratio 93.15% vs a 84.71% 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 |
97,609
+3.0% YoY+0.2% QoQ
|
+747 |
96,861
-1.9% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$1.4B
+3.6% YoY+0.8% QoQ
|
$-324.2M |
$1.7B
+0.4% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$1.1B
+4.2% YoY+1.4% QoQ
|
$-101.7M |
$1.2B
+0.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$1.2B
+4.4% YoY+0.9% QoQ
|
$-247.4M |
$1.5B
+0.5% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
1.1%
+165.1% YoY+116.8% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
3.6%
+8.9% YoY+0.9% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
67.8%
-20.4% YoY-17.8% QoQ
|
-5.2% |
73.0%
-2.7% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
0.4%
-1.7% YoY+4.5% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
93.1%
-0.1% YoY+0.5% QoQ
|
+8.4% |
84.7%
+0.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$24,060
+1.3% YoY+0.9% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
16.8%
-11.8% YoY+1.1% QoQ
|
-12.3% | 29.1% | 19.2% | 20.0% | Bottom 8.3% in tier |
| Indirect Auto % |
28.7%
-3.5% YoY-0.6% QoQ
|
+10.6% | 18.1% | 11.9% | 7.7% | 75% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
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.
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)