BlastPoint's Credit Union Scorecard

ADVANTAGE

Charter #61383 · OH

<100M

2508 CUs in <100M nationally 116 in OH

ADVANTAGE faces 4 concerns requiring attention

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.10% below tier average
- Efficiency ratio 1.89% above tier (higher cost structure)
- Member decline: -6.6% YoY
- Indirect Auto Concentration (%): Bottom 3.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,503 -6.6% YoY-1.6% QoQ	+826	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	74%
Assets	$42.5M +1.6% YoY-1.4% QoQ	+$12.3M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	71%
Loans	$20.8M -8.3% YoY-5.6% QoQ	+$5.5M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	72%
Deposits	$39.4M +0.7% YoY-1.6% QoQ	+$13.6M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	74%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.1% -132.1% YoY-65.5% QoQ	-0.1%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	23%
NIM	3.7% +6.5% YoY+2.8% QoQ	-0.3%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	92.5% -1.6% YoY+4.4% QoQ	+1.9%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	0.1% -51.7% QoQ	-1.4	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	20%
Loan To Share	52.9% -8.9% YoY-4.1% QoQ	-5.6%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	41%
AMR	$17,191 +4.2% YoY-1.5% QoQ	+$2K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	66%
CD Concentration	15.3% -11.2% YoY-8.7% QoQ	-8.9%	24.3%	19.4%	19.8%	50%
Indirect Auto %	35.8% -22.1% YoY-6.1% QoQ	+22.0%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (2 metrics)

468

Fee Income Per Member

profitability

Value: $126.00

Peer Median: $60.42

#468 of 2508 Top 18.6% in <100M tier

513

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.65%

#513 of 2508 Top 20.4% in <100M tier

Top Weaknesses (6 metrics)

2435

Indirect Auto Concentration (%)

balance_sheet

Value: 35.78%

Peer Median: 0.00%

#2435 of 2508 Bottom 3.0% in <100M tier

2226

Member Growth Rate

growth

Value: -6.59%

Peer Median: -1.37%

#2226 of 2508 Bottom 11.3% in <100M tier

2160

Net Worth Ratio

risk

Value: 9.56%

Peer Median: 14.28%

#2160 of 2508 Bottom 13.9% in <100M tier

2088

First Mortgage Concentration (%)

balance_sheet

Value: 34.81%

Peer Median: 3.66%

#2088 of 2508 Bottom 16.8% in <100M tier

2038

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: 0.07%

#2038 of 2508 Bottom 18.8% in <100M tier

1927

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: 0.61%

#1927 of 2508 Bottom 23.2% in <100M tier