BlastPoint's Credit Union Scorecard

PILLAR

Charter #61324 · OH

100M-500M

1069 CUs in 100M-500M nationally 58 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 0.24% above tier average
+ First Mortgage Concentration (%): Top 7.8% 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 0.05% above tier average
- Indirect Auto Concentration (%): Bottom 0.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	10,032 +1.8% YoY-0.2% QoQ	-5.4K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	31%
Assets	$124.4M +10.1% YoY+3.0% QoQ	$-107.4M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	16%
Loans	$74.9M +2.4% YoY+0.4% QoQ	$-72.5M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	19%
Deposits	$112.4M +9.4% YoY+3.0% QoQ	$-88.4M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	20%

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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	1.0% +51.5% YoY-5.1% QoQ	+0.2%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	68%
NIM	3.4% +13.1% YoY+1.5% QoQ	-0.2%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	73.2% -7.2% YoY+0.5% QoQ	-3.8%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	34%
Delinquency Rate	0.9% +32.7% YoY-9.1% QoQ	+0.1	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	66%
Loan To Share	66.6% -6.4% YoY-2.5% QoQ	-5.6%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	35%
AMR	$18,669 +4.6% YoY+2.1% QoQ	$-6K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	25%
CD Concentration	35.5% -3.4% YoY+0.4% QoQ	+11.0%	24.4%	19.4%	19.8%	50%
Indirect Auto %	70.5% -3.9% YoY-1.9% QoQ	+56.7%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#140 of 182 • 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: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.83%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#8 of 506 • 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): 10.08%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 70.46%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.83%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY

Credit Quality Pressure

risk

#319 of 705 • 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): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk

#342 of 456 • 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): 2.38%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 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 1069 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 6.40%

Peer Median: -

#84 of 1069 Top 7.8% in 100M-500M tier

136

Asset Growth Rate

growth

Value: 10.08%

Peer Median: -

#136 of 1069 Top 12.6% in 100M-500M tier

153

Deposit Growth Rate

growth

Value: 9.39%

Peer Median: -

#153 of 1069 Top 14.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1060

Indirect Auto Concentration (%)

balance_sheet

Value: 70.46%

Peer Median: -

#1060 of 1069 Bottom 0.9% in 100M-500M tier

926

Share Certificate Concentration (%)

balance_sheet

Value: 35.45%

Peer Median: -

#926 of 1069 Bottom 13.5% in 100M-500M tier

898

Total Assets

balance_sheet

Value: $124.42M

Peer Median: -

#898 of 1069 Bottom 16.1% in 100M-500M tier

866

Total Loans

balance_sheet

Value: $74.87M

Peer Median: -

#866 of 1069 Bottom 19.1% in 100M-500M tier

861

Total Deposits

balance_sheet

Value: $112.42M

Peer Median: -

#861 of 1069 Bottom 19.6% in 100M-500M tier

805

Fee Income Per Member

profitability

Value: $119.73

Peer Median: -

#805 of 1069 Bottom 24.8% in 100M-500M tier