BlastPoint's Credit Union Scorecard
DIRECTIONS
Charter #60978 · OH
DIRECTIONS has 4 strengths but faces 5 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
- + Wallet Share Momentum: Top 92.6% in tier
- + Organic Growth Engine: Top 99.6% in tier
- + Net Interest Margin 0.20% above tier average
- + Share Certificate Concentration (%): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.0% in tier
- - Liquidity Strain: Bottom 55.1% in tier
- - Indirect Auto Dependency: Bottom 58.5% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 12.80% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,800
+0.8% YoY+0.1% QoQ
|
-2.6K |
97,431
-2.4% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$1.4B
+4.2% YoY+1.6% QoQ
|
$-364.1M |
$1.7B
+0.9% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$1.1B
+7.5% YoY+0.9% QoQ
|
$-120.3M |
$1.2B
+0.5% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$1.2B
+5.0% YoY+1.6% QoQ
|
$-284.0M |
$1.5B
+0.9% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.4%
-42.1% YoY-15.0% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.5%
+1.5% YoY+2.0% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
86.9%
+5.0% YoY+1.4% QoQ
|
+12.8% |
74.1%
-9.5% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
0.3%
-19.8% YoY-16.1% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.3% in tier |
| Loan To Share |
94.8%
+2.4% YoY-0.7% QoQ
|
+10.0% |
84.8%
-0.8% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$24,151
+5.3% YoY+1.2% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
16.3%
-19.6% YoY-12.9% QoQ
|
-12.8% | 29.0% | 19.4% | 19.8% | Bottom 7.4% in tier |
| Indirect Auto % |
29.2%
+2.6% YoY-1.3% QoQ
|
+10.9% | 18.3% | 11.2% | 7.8% | 74% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)