BlastPoint's Credit Union Scorecard

SEVEN SEVENTEEN

Charter #61077 · OH

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 6 in OH

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SEVEN SEVENTEEN has 7 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market 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 Engine: Top 1.4% in tier
+ Profitability Leader: Top 64.9% in tier
+ ROA 0.44% above tier average
+ Net Interest Margin 0.71% above tier average
+ Strong member growth: 12.1% YoY
+ Member Growth Rate: Top 2.6% in tier
+ Loan-to-Share Ratio: Top 4.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.2% in tier
- Credit Risk Growth: Bottom 1.8% in tier
- Credit Quality Pressure: Bottom 6.4% in tier
- Indirect Auto Dependency: Bottom 14.1% in tier
- Shrinking Wallet Share: Bottom 17.2% in tier
- Delinquency rate 0.25% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	123,389 +12.1% YoY+2.5% QoQ	+24.7K	98,678 -1.9% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	75%
Assets	$1.8B +7.5% YoY+1.8% QoQ	+$127.9M	$1.7B +0.5% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	64%
Loans	$1.6B +12.1% YoY+6.3% QoQ	+$372.2M	$1.2B +0.5% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	76%
Deposits	$1.5B +7.0% YoY+0.6% QoQ	+$70.6M	$1.5B +1.3% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	61%

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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	1.1% +30.2% YoY+0.1% QoQ	+0.4%	0.7% +13.4% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	Top 14.5% in tier
NIM	4.0% +5.8% YoY+0.8% QoQ	+0.7%	3.3% +9.3% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	Top 11.5% in tier
Efficiency Ratio	65.9% -7.8% YoY-0.5% QoQ	-8.1%	74.0% -10.9% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	19%
Delinquency Rate	1.1% +37.1% YoY+12.8% QoQ	+0.3	0.8% +6.1% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	79%
Loan To Share	105.3% +4.7% YoY+5.7% QoQ	+20.1%	85.2% -0.8% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	Top 4.9% in tier
AMR	$25,368 -2.2% YoY+1.0% QoQ	$-4K	$29,172 +2.8% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	38%
CD Concentration	26.4% -1.1% YoY+1.8% QoQ	-2.5%	29.0% +0.7% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	40%
Indirect Auto %	30.8% +15.1% YoY+9.5% QoQ	+12.1%	18.8% -3.0% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	77%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#11 of 246 • Top 1.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 12.07%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.14%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 30.84%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Profitability Leader

growth

#62 of 95 • Top 64.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.14%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (5)

Liquidity Strain

risk

#7 of 183 • Bottom 1.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 105.26%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 12.09%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Credit Risk Growth

risk

#11 of 161 • Bottom 1.8% in tier

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

Why This Signature

Loan Growth (YoY): 12.09%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.29% points

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

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk

#50 of 217 • Bottom 6.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.29% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#88 of 202 • Bottom 14.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.52%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 30.84%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 12.07%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#53 of 83 • Bottom 17.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.24%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 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 304 peers in tier

Top Strengths (10 metrics)

Member Growth Rate

growth

Value: 12.07%

Peer Avg: -

#9 of 304 Top 2.6% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 105.26%

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.98%

Peer Avg: -

#35 of 304 Top 11.2% in 1B-3B tier

Loan Growth Rate

growth

Value: 12.09%

Peer Avg: -

#37 of 304 Top 11.8% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.73%

Peer Avg: -

#37 of 304 Top 11.8% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.14%

Peer Avg: -

#44 of 304 Top 14.1% in 1B-3B tier

Efficiency Ratio

profitability

Value: 65.89%

Peer Avg: -

#60 of 304 Top 19.4% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.61B

Peer Avg: -

#73 of 304 Top 23.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 7.52%

Peer Avg: -

#76 of 304 Top 24.7% in 1B-3B tier

Total Members

engagement

Value: 123,389

Peer Avg: -

#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (3 metrics)

264

AMR Growth Rate

growth

Value: -2.24%

Peer Avg: -

#264 of 304 Bottom 13.5% in 1B-3B tier

240

Total Delinquency Rate (60+ days)

risk

Value: 1.08%

Peer Avg: -

#240 of 304 Bottom 21.4% in 1B-3B tier

238

Indirect Auto Concentration (%)

balance_sheet

Value: 30.84%

Peer Avg: -

#238 of 304 Bottom 22.0% in 1B-3B tier