BlastPoint's Credit Union Scorecard

ADVANTAGE

Charter #61383 · OH

2596 CUs in <100M nationally 121 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 0.62% below tier average
- Efficiency ratio 8.69% above tier (higher cost structure)
- Member decline: -4.1% YoY
- Indirect Auto Concentration (%): Bottom 2.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,687 -4.1% YoY-1.7% QoQ	+1.1K	2,625 -2.2% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	76%
Assets	$41.9M +2.6% YoY+0.8% QoQ	+$12.0M	$29.9M +1.1% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	71%
Loans	$22.5M -6.5% YoY-0.8% QoQ	+$6.7M	$15.8M -2.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	74%
Deposits	$38.9M +2.5% YoY+0.4% QoQ	+$13.5M	$25.5M +0.4% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	75%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -74.7% YoY+193.3% QoQ	-0.6%	0.7% -731.4% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	18%
NIM	3.6% +1.2% YoY+1.2% QoQ	-0.3%	3.9% +3.8% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	40%
Efficiency Ratio	90.1% +3.7% YoY-0.4% QoQ	+8.7%	81.4% -2.4% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	77%
Delinquency Rate	0.1% -56.3% YoY	-1.4	1.5% -2.0% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	18%
Loan To Share	57.8% -8.8% YoY-1.2% QoQ	-3.4%	61.2% -3.0% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	45%
AMR	$16,657 +3.2% YoY+1.7% QoQ	+$2K	$14,627 -2.7% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	66%
CD Concentration	17.3% +8.6% YoY+0.6% QoQ	-7.1%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	40.2% -19.0% YoY-8.1% QoQ	+26.2%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (3 metrics)

479

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Avg: -

#479 of 2596 Top 18.4% in <100M tier

583

Fee Income Per Member

profitability

Value: $123.85

Peer Avg: -

#583 of 2596 Top 22.4% in <100M tier

637

Total Members

engagement

Value: 3,687

Peer Avg: -

#637 of 2596 Top 24.5% in <100M tier

Top Weaknesses (7 metrics)

2526

Indirect Auto Concentration (%)

balance_sheet

Value: 40.18%

Peer Avg: -

#2526 of 2596 Bottom 2.7% in <100M tier

2242

Net Worth Ratio

risk

Value: 9.59%

Peer Avg: -

#2242 of 2596 Bottom 13.7% in <100M tier

2126

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Avg: -

#2126 of 2596 Bottom 18.1% in <100M tier

2105

First Mortgage Concentration (%)

balance_sheet

Value: 31.48%

Peer Avg: -

#2105 of 2596 Bottom 19.0% in <100M tier

2098

Net Charge-Off Rate

risk

Value: 0.80%

Peer Avg: -

#2098 of 2596 Bottom 19.2% in <100M tier

2011

Member Growth Rate

growth

Value: -4.11%

Peer Avg: -

#2011 of 2596 Bottom 22.6% in <100M tier

1992

Efficiency Ratio

profitability

Value: 90.09%

Peer Avg: -

#1992 of 2596 Bottom 23.3% in <100M tier