BlastPoint's Credit Union Scorecard
DIRECTIONS
Charter #60978 · OH
DIRECTIONS has 3 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
- + Emerging Performer: Top 65.5% in tier
- + Net Interest Margin 0.23% above tier average
- + Share Certificate Concentration (%): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.3% in tier
- - Liquidity Strain: Bottom 29.2% in tier
- - Credit Risk Growth: Bottom 51.1% in tier
- - Credit Quality Pressure: Bottom 51.6% in tier
- - Indirect Auto Dependency: Bottom 68.7% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 7.81% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
97,389
+3.5% YoY+2.7% QoQ
|
+1.3K |
96,048
-2.7% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$1.4B
+3.2% YoY+2.2% QoQ
|
$-330.9M |
$1.7B
+0.4% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$1.1B
+5.5% YoY+0.3% QoQ
|
$-96.6M |
$1.2B
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$1.2B
+3.9% YoY+2.6% QoQ
|
$-260.0M |
$1.5B
+0.5% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
0.5%
+36.4% YoY+47.7% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
3.6%
+9.0% YoY+3.1% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
82.4%
-4.1% YoY-5.1% QoQ
|
+7.8% |
74.6%
-3.0% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
0.4%
+8.7% YoY+8.2% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
92.7%
+1.6% YoY-2.2% QoQ
|
+9.5% |
83.2%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$23,850
+1.2% YoY-1.2% QoQ
|
$-6K |
$29,652
+2.3% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
16.6%
-17.5% YoY+2.0% QoQ
|
-12.2% | 28.8% | 19.4% | 19.8% | Bottom 7.6% in tier |
| Indirect Auto % |
28.8%
-1.5% YoY-1.2% QoQ
|
+10.8% | 18.1% | 11.4% | 7.7% | 76% |
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 (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)