BlastPoint's Credit Union Scorecard

OUCU FINANCIAL CREDIT UNION, INC.

Charter #61048 · OH

Community 500M-750M

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

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OUCU FINANCIAL CREDIT UNION, INC. has 4 strengths but faces 11 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 38.3% in tier
+ Wallet Share Momentum: Top 75.2% in tier
+ Net Interest Margin 0.27% above tier average
+ Fee Income Per Member: Top 4.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.3% in tier
- Credit Quality Pressure: Bottom 4.4% in tier
- Credit Risk Growth: Bottom 9.7% in tier
- Liquidity Strain: Bottom 24.7% in tier
- Stagnation Risk: Bottom 30.0% in tier
- Membership Headwinds: Bottom 32.0% in tier
- ROA 0.43% below tier average
- Efficiency ratio 11.64% above tier (higher cost structure)
- Delinquency rate 0.39% above tier average
- Total Deposits: Bottom 4.1% in tier
- Members Per Employee (MPE): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	26,360 -0.6% YoY+0.6% QoQ	-13.4K	39,752 -2.7% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	Bottom 9.5% in tier
Assets	$520.4M +5.8% YoY+0.0% QoQ	$-102.0M	$622.4M +0.3% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	Bottom 10.1% in tier
Loans	$398.0M +3.9% YoY-0.3% QoQ	$-38.0M	$435.9M -0.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	31%
Deposits	$431.8M +6.8% YoY-0.3% QoQ	$-106.2M	$538.0M +1.3% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	Bottom 3.6% 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	0.2% -46.9% YoY-5.4% QoQ	-0.4%	0.7% +33.9% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	20%
NIM	3.7% +0.8% YoY+0.8% QoQ	+0.3%	3.4% +8.6% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	89.7% +9.1% YoY+0.2% QoQ	+11.6%	78.1% -3.4% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	Top 10.7% in tier
Delinquency Rate	1.2% +104.7% YoY+10.0% QoQ	+0.4	0.8% -4.9% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	81%
Loan To Share	92.2% -2.8% YoY+0.0% QoQ	+11.1%	81.0% -1.8% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	79%
AMR	$31,480 +6.1% YoY-0.9% QoQ	+$5K	$26,482 +2.6% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	82%
CD Concentration	22.9% +1.8% YoY+3.1% QoQ	-1.5%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	45%
Indirect Auto %	1.3% +59.2% QoQ	-12.7%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	37%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#99 of 257 • Top 38.3% 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): 6.07%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Wallet Share Momentum

growth

#362 of 481 • Top 75.2% in tier

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

Why This Signature

AMR Growth (YoY): 6.07%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk

#60 of 521 • Bottom 3.3% in tier

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

Why This Signature

Efficiency Ratio: 89.73%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -0.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#109 of 736 • Bottom 4.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.61% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#146 of 446 • Bottom 9.7% in tier

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

Why This Signature

Loan Growth (YoY): 3.87%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.61% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Strain

risk

#192 of 258 • Bottom 24.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.16%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.87%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Stagnation Risk

risk

#494 of 550 • Bottom 30.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.87%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.18%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#527 of 550 • Bottom 32.0% in tier

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

Why This Signature

Member Growth (YoY): -0.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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 169 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $327.20

Peer Avg: -

#9 of 169 Top 4.7% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,098

Peer Avg: -

#25 of 169 Top 14.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $31,480

Peer Avg: -

#31 of 169 Top 17.8% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.16%

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Top Weaknesses (7 metrics)

163

Total Deposits

balance_sheet

Value: $431.84M

Peer Avg: -

#163 of 169 Bottom 4.1% in 500M-750M tier

161

Members Per Employee (MPE)

engagement

Value: 227.241

Peer Avg: -

#161 of 169 Bottom 5.3% in 500M-750M tier

153

Total Members

engagement

Value: 26,360

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier

152

Efficiency Ratio

profitability

Value: 89.73%

Peer Avg: -

#152 of 169 Bottom 10.7% in 500M-750M tier

152

Total Assets

balance_sheet

Value: $520.42M

Peer Avg: -

#152 of 169 Bottom 10.7% in 500M-750M tier

138

Total Delinquency Rate (60+ days)

risk

Value: 1.18%

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier

135

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Avg: -

#135 of 169 Bottom 20.7% in 500M-750M tier