BlastPoint's Credit Union Scorecard

PILLAR

Charter #61324 · OH

100M-500M

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

PILLAR has 3 strengths but faces 5 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

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.17% above tier average
+ First Mortgage Concentration (%): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.12% above tier average
- Indirect Auto Concentration (%): Bottom 1.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	10,068 +2.2% YoY+0.4% QoQ	-5.1K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	33%
Assets	$128.0M +7.9% YoY+2.9% QoQ	$-103.7M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	18%
Loans	$75.9M +3.0% YoY+1.3% QoQ	$-68.3M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	21%
Deposits	$115.9M +7.3% YoY+3.1% QoQ	$-85.2M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +31.7% YoY-10.0% QoQ	+0.2%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	64%
NIM	3.6% +11.5% YoY+3.9% QoQ	-0.1%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	73.8% -3.8% YoY+0.8% QoQ	-4.2%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	0.9% +28.8% YoY-5.5% QoQ	+0.1	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	71%
Loan To Share	65.5% -4.0% YoY-1.7% QoQ	-4.9%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	36%
AMR	$19,048 +3.2% YoY+2.0% QoQ	$-6K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	27%
CD Concentration	34.6% -15.3% YoY-2.5% QoQ	+10.3%	24.3%	19.4%	19.8%	50%
Indirect Auto %	69.7% -4.8% YoY-1.0% QoQ	+55.9%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#118 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.23%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#19 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): 7.91%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 69.75%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.23%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

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

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#329 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): 0.20% 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 | Rank worsening

Credit Risk Growth

risk

#318 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): 3.00%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.20% 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

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 (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 6.35%

Peer Median: 29.47%

#82 of 1070 Top 7.6% in 100M-500M tier

200

Asset Growth Rate

growth

Value: 7.91%

Peer Median: 3.91%

#200 of 1070 Top 18.6% in 100M-500M tier

225

Deposit Growth Rate

growth

Value: 7.28%

Peer Median: 3.30%

#225 of 1070 Top 20.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1055

Indirect Auto Concentration (%)

balance_sheet

Value: 69.75%

Peer Median: 6.61%

#1055 of 1070 Bottom 1.5% in 100M-500M tier

903

Share Certificate Concentration (%)

balance_sheet

Value: 34.57%

Peer Median: 23.10%

#903 of 1070 Bottom 15.7% in 100M-500M tier

872

Total Assets

balance_sheet

Value: $128.00M

Peer Median: $196.57M

#872 of 1070 Bottom 18.6% in 100M-500M tier

842

Total Loans

balance_sheet

Value: $75.88M

Peer Median: $121.41M

#842 of 1070 Bottom 21.4% in 100M-500M tier

838

Total Deposits

balance_sheet

Value: $115.89M

Peer Median: $171.29M

#838 of 1070 Bottom 21.8% in 100M-500M tier