BlastPoint's Credit Union Scorecard

OUCU FINANCIAL CREDIT UNION, INC.

Charter #61048 · OH

Community 500M-750M

167 CUs in 500M-750M nationally 7 in OH

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OUCU FINANCIAL CREDIT UNION, INC. has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 40.0% in tier
+ Relationship Depth Leader: Top 60.6% in tier
+ Net Interest Margin 0.52% above tier average
+ Fee Income Per Member: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.5% in tier
- Liquidity Strain: Bottom 13.4% in tier
- Credit Quality Pressure: Bottom 38.9% in tier
- Credit Risk Growth: Bottom 49.4% in tier
- ROA 1.69% below tier average
- Efficiency ratio 22.70% above tier (higher cost structure)
- Delinquency rate 0.13% above tier average
- Members Per Employee (MPE): Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	26,302 +1.0% YoY+2.3% QoQ	-11.8K	38,079 -4.8% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Bottom 11.4% in tier
Assets	$520.9M +0.4% YoY-1.7% QoQ	$-98.8M	$619.7M -0.2% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Bottom 12.6% in tier
Loans	$406.1M +3.2% YoY+0.8% QoQ	$-13.2M	$419.3M -1.4% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	41%
Deposits	$450.2M +3.7% YoY+1.9% QoQ	$-89.3M	$539.5M -0.1% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Bottom 12.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.0% -303.1% YoY-878.3% QoQ	-1.7%	0.7% +36.0% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Bottom 0.6% in tier
NIM	4.0% +9.2% YoY+7.3% QoQ	+0.5%	3.5% +4.5% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	Top 13.8% in tier
Efficiency Ratio	101.1% +15.1% YoY+12.7% QoQ	+22.7%	78.4% -3.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Bottom 1.8% in tier
Delinquency Rate	0.8% +11.4% YoY+17.4% QoQ	+0.1	0.7% -0.9% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	65%
Loan To Share	90.2% -0.5% YoY-1.0% QoQ	+12.5%	77.7% -1.2% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	81%
AMR	$32,556 +2.4% YoY-0.9% QoQ	+$6K	$26,927 +3.1% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	83%
CD Concentration	23.0% +3.2% YoY+1.6% QoQ	-1.2%	24.3%	19.4%	19.8%	46%
Indirect Auto %	2.6% +532.8% YoY+47.7% QoQ	-11.2%	13.8%	11.4%	7.7%	41%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#311 of 371 • Top 40.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.02%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 2.65%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#218 of 257 • Top 60.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.42%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk

#137 of 596 • Bottom 2.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 101.08%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.50% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#519 of 727 • Bottom 38.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#399 of 476 • Bottom 49.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.21%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Strain

risk

#174 of 183 • Bottom 13.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.21%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.21%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $320.46

Peer Median: $178.80

#12 of 167 Top 6.6% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.99%

Peer Median: 3.48%

#23 of 167 Top 13.2% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,440

Peer Median: $11,231

#24 of 167 Top 13.8% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $32,556

Peer Median: $25,600

#29 of 167 Top 16.8% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 90.21%

Peer Median: 79.97%

#32 of 167 Top 18.6% in 500M-750M tier

Top Weaknesses (7 metrics)

166

Return on Assets (ROA)

profitability

Value: -1.00%

Peer Median: 0.61%

#166 of 167 Bottom 1.2% in 500M-750M tier

165

Efficiency Ratio

profitability

Value: 101.08%

Peer Median: 78.61%

#165 of 167 Bottom 1.8% in 500M-750M tier

161

Members Per Employee (MPE)

engagement

Value: 226.741

Peer Median: 318.730

#161 of 167 Bottom 4.2% in 500M-750M tier

148

Total Members

engagement

Value: 26,302

Peer Median: 36,874

#148 of 167 Bottom 12.0% in 500M-750M tier

147

Total Deposits

balance_sheet

Value: $450.17M

Peer Median: $543.36M

#147 of 167 Bottom 12.6% in 500M-750M tier

146

Total Assets

balance_sheet

Value: $520.86M

Peer Median: $619.16M

#146 of 167 Bottom 13.2% in 500M-750M tier

134

Asset Growth Rate

growth

Value: 0.36%

Peer Median: 4.66%

#134 of 167 Bottom 20.4% in 500M-750M tier