BlastPoint's Credit Union Scorecard
OUCU FINANCIAL CREDIT UNION, INC.
Charter #61048 · OH
OUCU FINANCIAL CREDIT UNION, INC. has 5 strengths but faces 8 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
- + Relationship Depth Leader: Top 43.4% in tier
- + Organic Growth Engine: Top 44.6% in tier
- + Organic Growth Leader: Top 44.6% in tier
- + Net Interest Margin 0.42% above tier average
- + Fee Income Per Member: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.3% in tier
- - Liquidity Strain: Bottom 15.0% in tier
- - Credit Quality Pressure: Bottom 37.7% in tier
- - Credit Risk Growth: Bottom 44.3% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 18.51% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
- - Members Per Employee (MPE): Bottom 6.1% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 7 that size in Ohio.
- Shares and deposits +5.4% year over year ($457M in shares and deposits).
- Membership: 26,348 members, +0.6% vs a year ago.
- Delinquency rate 1.17%.
- Return on assets 0.32%.
- Efficiency ratio 95.07% vs a 76.56% peer average.
- Loan-to-share ratio 91.14% vs a 79.33% 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 |
26,348
+0.6% YoY+0.2% QoQ
|
-11.5K |
37,897
-5.0% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 11.5% in tier |
| Assets |
$526.8M
+1.2% YoY+1.1% QoQ
|
$-95.6M |
$622.4M
+0.6% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.3% in tier |
| Loans |
$416.2M
+4.3% YoY+2.5% QoQ
|
$-12.3M |
$428.5M
-0.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$456.7M
+5.4% YoY+1.5% QoQ
|
$-83.0M |
$539.8M
+0.9% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.5% in tier |
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| ROA |
0.3%
+32.8% YoY-132.3% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
17% |
| NIM |
4.0%
+7.8% YoY-0.9% QoQ
|
+0.4% |
3.5%
+5.0% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
95.1%
+6.2% YoY-6.0% QoQ
|
+18.5% |
76.6%
-3.6% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
1.2%
+9.1% YoY+40.6% QoQ
|
+0.4 |
0.8%
+3.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
91.1%
-1.1% YoY+1.0% QoQ
|
+11.8% |
79.3%
-1.4% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$33,131
+4.3% YoY+1.8% QoQ
|
+$6K |
$27,294
+4.1% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
81% |
| CD Concentration |
23.3%
+5.0% YoY+1.4% QoQ
|
-1.2% | 24.6% | 19.2% | 20.0% | 46% |
| Indirect Auto % |
3.5%
+322.1% YoY+31.8% QoQ
|
-10.1% | 13.6% | 11.9% | 7.7% | 42% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)