BlastPoint's Credit Union Scorecard
PILLAR
Charter #61324 · OH
PILLAR has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.34% above tier average
- + Strong member growth: 8.7% YoY
- + Member Growth Rate: Top 4.1% in tier
- + Asset Growth Rate: Top 4.7% in tier
- + First Mortgage Concentration (%): Top 6.2% in tier
- + Deposit Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 1.6% in tier
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 +10.5% year over year ($120M in shares and deposits).
- Membership: 10,833 members, +8.7% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 1.20%.
- Efficiency ratio 72.20% vs a 76.73% peer average.
- Loan-to-share ratio 67.94% 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 |
10,833
+8.7% YoY+7.6% QoQ
|
-4.3K |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$134.8M
+12.4% YoY+5.3% QoQ
|
$-97.2M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$81.8M
+9.4% YoY+7.8% QoQ
|
$-64.4M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$120.4M
+10.5% YoY+3.9% QoQ
|
$-80.3M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
1.2%
+16.4% YoY+34.1% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
3.6%
+10.7% YoY+1.7% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
72.2%
-2.7% YoY-2.2% QoQ
|
-4.5% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.6%
-18.3% YoY-33.3% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
67.9%
-1.0% YoY+3.8% QoQ
|
-3.6% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$18,671
+1.2% YoY-2.0% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
31.3%
-13.7% YoY-9.6% QoQ
|
+6.7% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
66.4%
-8.4% YoY-4.8% QoQ
|
+52.8% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
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)