BlastPoint's Credit Union Scorecard
GOLDEN CIRCLE
Charter #61239 · OH
GOLDEN CIRCLE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + First Mortgage Concentration (%): Top 5.7% in tier
- + Share Certificate Concentration (%): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 16.42% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
- Shares and deposits +1.3% year over year ($91.4M in shares and deposits).
- Membership: 6,697 members, -6.9% vs a year ago.
- Delinquency rate 2.24%.
- Return on assets 0.30%.
- Efficiency ratio 93.16% vs a 76.73% peer average.
- Loan-to-share ratio 48.93% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,697
-6.9% YoY-1.3% QoQ
|
-8.5K |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 10.3% in tier |
| Assets |
$107.3M
+0.3% YoY+0.7% QoQ
|
$-124.7M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.8% in tier |
| Loans |
$44.7M
-9.5% YoY-7.1% QoQ
|
$-101.5M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.2% in tier |
| Deposits |
$91.4M
+1.3% YoY+1.9% QoQ
|
$-109.3M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.3% in tier |
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| ROA |
0.3%
-65.5% YoY-126.1% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.4% in tier |
| NIM |
4.9%
+13.2% YoY+68.8% QoQ
|
+1.2% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 3.7% in tier |
| Efficiency Ratio |
93.2%
+12.8% YoY-28.5% QoQ
|
+16.4% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate |
2.2%
+308.3% YoY+116.8% QoQ
|
+1.4 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.0% in tier |
| Loan To Share |
48.9%
-10.6% YoY-8.8% QoQ
|
-22.6% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.5% in tier |
| AMR |
$20,329
+4.7% YoY+0.0% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
6.4%
+12.0% YoY+2.0% QoQ
|
-18.2% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
23.2%
-4.2% YoY-0.7% QoQ
|
+9.6% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)