BlastPoint's Credit Union Scorecard

GOLDEN CIRCLE

Charter #61239 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

GOLDEN CIRCLE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ First Mortgage Concentration (%): Top 5.6% in tier
+ Share Certificate Concentration (%): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 1.87% below tier average
- Efficiency ratio 52.19% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	6,783 -7.0% YoY-1.5% QoQ	-8.4K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Bottom 10.2% in tier
Assets	$106.5M -2.5% YoY+1.9% QoQ	$-125.2M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Bottom 4.7% in tier
Loans	$48.1M +2.4% YoY-6.0% QoQ	$-96.0M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Bottom 5.4% in tier
Deposits	$89.7M -2.6% YoY+2.3% QoQ	$-111.4M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Bottom 3.1% 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	-1.1% -254.3% YoY-310.2% QoQ	-1.9%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Bottom 1.1% in tier
NIM	2.9% -33.0% YoY-33.4% QoQ	-0.7%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	Bottom 12.6% in tier
Efficiency Ratio	130.2% +53.0% YoY+45.1% QoQ	+52.2%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Bottom 0.4% in tier
Delinquency Rate	1.0% +98.3% YoY+12.8% QoQ	+0.3	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	77%
Loan To Share	53.7% +5.1% YoY-8.2% QoQ	-16.8%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	16%
AMR	$20,324 +6.6% YoY+0.8% QoQ	$-5K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	34%
CD Concentration	6.2% +27.1% YoY+7.1% QoQ	-18.0%	24.3%	19.4%	19.8%	50%
Indirect Auto %	23.4% -10.4% YoY+7.1% QoQ	+9.6%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#315 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.62%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (6)

Membership Headwinds

decline

#75 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -7.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#110 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.51% points

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

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Stagnation Risk

risk

#121 of 570 • Bottom 50.0% 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): -7.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.41%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.03%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#207 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.41%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.51% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

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

Efficiency Drag

risk

#375 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 130.21%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.88% points

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

worse than tier avg

Member Growth (YoY): -7.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#415 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -2.51%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 23.37%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -7.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 5.10%

Peer Median: 29.47%

#61 of 1070 Top 5.6% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 6.23%

Peer Median: 23.10%

#62 of 1070 Top 5.7% in 100M-500M tier

242

Net Worth Ratio

risk

Value: 13.82%

Peer Median: 11.45%

#242 of 1070 Top 22.5% in 100M-500M tier

243

AMR Growth Rate

growth

Value: 6.62%

Peer Median: 3.46%

#243 of 1070 Top 22.6% in 100M-500M tier

Top Weaknesses (16 metrics)

1067

Efficiency Ratio

profitability

Value: 130.21%

Peer Median: 78.68%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1058

Return on Assets (ROA)

profitability

Value: -1.14%

Peer Median: 0.69%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1037

Total Deposits

balance_sheet

Value: $89.72M

Peer Median: $171.29M

#1037 of 1070 Bottom 3.2% in 100M-500M tier

1020

Total Assets

balance_sheet

Value: $106.50M

Peer Median: $196.57M

#1020 of 1070 Bottom 4.8% in 100M-500M tier

1012

Total Loans

balance_sheet

Value: $48.14M

Peer Median: $121.41M

#1012 of 1070 Bottom 5.5% in 100M-500M tier

1005

Member Growth Rate

growth

Value: -7.04%

Peer Median: -0.06%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

989

Asset Growth Rate

growth

Value: -2.51%

Peer Median: 3.91%

#989 of 1070 Bottom 7.7% in 100M-500M tier

980

Deposit Growth Rate

growth

Value: -2.58%

Peer Median: 3.30%

#980 of 1070 Bottom 8.5% in 100M-500M tier

961

Total Members

engagement

Value: 6,783

Peer Median: 13,200

#961 of 1070 Bottom 10.3% in 100M-500M tier

935

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Median: 3.62%

#935 of 1070 Bottom 12.7% in 100M-500M tier