BlastPoint's Credit Union Scorecard

OUCU FINANCIAL CREDIT UNION, INC.

Charter #61048 · OH

Community 500M-750M

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

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OUCU FINANCIAL CREDIT UNION, INC. has 4 strengths but faces 12 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

+ Relationship Depth Leader: Top 24.7% in tier
+ Wallet Share Momentum: Top 51.0% in tier
+ Net Interest Margin 0.27% above tier average
+ Fee Income Per Member: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 40.1% in tier
- Credit Quality Pressure: Bottom 44.7% in tier
- Efficiency Drag: Bottom 47.9% in tier
- Stagnation Risk: Bottom 54.1% in tier
- Credit Risk Growth: Bottom 69.9% in tier
- Liquidity Strain: Bottom 91.2% in tier
- ROA 0.53% below tier average
- Efficiency ratio 12.19% above tier (higher cost structure)
- Member decline: -3.4% YoY
- Members Per Employee (MPE): Bottom 3.0% in tier
- Total Deposits: Bottom 7.9% in tier
- Total Members: Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	25,722 -3.4% YoY-2.4% QoQ	-12.9K	38,575 -4.8% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	Bottom 8.5% in tier
Assets	$529.6M +5.0% YoY+1.8% QoQ	$-92.1M	$621.7M +0.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	Bottom 13.3% in tier
Loans	$402.7M +2.8% YoY+1.2% QoQ	$-27.1M	$429.8M -1.8% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	35%
Deposits	$441.9M +5.2% YoY+2.3% QoQ	$-96.8M	$538.7M +0.6% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	Bottom 7.3% 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	0.1% -73.2% YoY-44.1% QoQ	-0.5%	0.7% +42.9% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	Bottom 10.9% in tier
NIM	3.7% +2.3% YoY+0.6% QoQ	+0.3%	3.4% +8.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	72%
Efficiency Ratio	89.7% +9.1% YoY-0.0% QoQ	+12.2%	77.5% -4.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	Top 8.5% in tier
Delinquency Rate	0.7% +49.5% YoY-39.9% QoQ	-0.1	0.8% -1.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	49%
Loan To Share	91.1% -2.3% YoY-1.1% QoQ	+11.3%	79.8% -2.3% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	79%
AMR	$32,836 +7.7% YoY+4.3% QoQ	+$6K	$26,849 +2.7% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	82%
CD Concentration	22.7% -0.4% YoY-1.1% QoQ	-1.8%	24.4%	19.4%	19.8%	44%
Indirect Auto %	1.8% +2100.1% YoY+36.2% QoQ	-12.0%	13.8%	11.2%	7.8%	39%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#67 of 268 • Top 24.7% 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): 7.71%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#262 of 513 • Top 51.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.71%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#223 of 554 • Bottom 40.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#316 of 705 • Bottom 44.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#258 of 538 • Bottom 47.9% in tier

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

Why This Signature

Efficiency Ratio: 89.70%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -3.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Stagnation Risk

risk

#300 of 554 • Bottom 54.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.84%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.71%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#319 of 456 • Bottom 69.9% in tier

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

Why This Signature

Loan Growth (YoY): 2.84%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Liquidity Strain

risk

#208 of 228 • Bottom 91.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.13%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 2.84%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 165 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $355.45

Peer Median: -

#6 of 165 Top 3.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,656

Peer Median: -

#21 of 165 Top 12.1% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.71%

Peer Median: -

#29 of 165 Top 17.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $32,836

Peer Median: -

#29 of 165 Top 17.0% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.13%

Peer Median: -

#34 of 165 Top 20.0% in 500M-750M tier

Top Weaknesses (7 metrics)

161

Members Per Employee (MPE)

engagement

Value: 221.741

Peer Median: -

#161 of 165 Bottom 3.0% in 500M-750M tier

153

Total Deposits

balance_sheet

Value: $441.90M

Peer Median: -

#153 of 165 Bottom 7.9% in 500M-750M tier

152

Efficiency Ratio

profitability

Value: 89.70%

Peer Median: -

#152 of 165 Bottom 8.5% in 500M-750M tier

151

Total Members

engagement

Value: 25,722

Peer Median: -

#151 of 165 Bottom 9.1% in 500M-750M tier

147

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Median: -

#147 of 165 Bottom 11.5% in 500M-750M tier

143

Member Growth Rate

growth

Value: -3.37%

Peer Median: -

#143 of 165 Bottom 13.9% in 500M-750M tier

143

Total Assets

balance_sheet

Value: $529.60M

Peer Median: -

#143 of 165 Bottom 13.9% in 500M-750M tier