BlastPoint's Credit Union Scorecard

WHITEWATER COMMUNITY

Charter #61760 · OH

<100M

2508 CUs in <100M nationally 116 in OH

WHITEWATER COMMUNITY demonstrates 2 strengths

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.50% above tier average
+ Net Interest Margin 0.58% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	1,611 -0.8% YoY-0.3% QoQ	-1.1K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	43%
Assets	$11.7M -3.4% YoY+1.0% QoQ	$-18.5M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	35%
Loans	$7.9M -5.9% YoY-3.3% QoQ	$-7.4M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	45%
Deposits	$10.5M -4.5% YoY+0.9% QoQ	$-15.3M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	37%

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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	0.6% -41.3% YoY-19.8% QoQ	+0.5%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	52%
NIM	4.6% -0.2% YoY-3.7% QoQ	+0.6%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	88.9% +9.0% YoY+2.2% QoQ	-1.7%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	Top 14.0% in tier
Loan To Share	75.4% -1.5% YoY-4.2% QoQ	+16.9%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	75%
AMR	$11,438 -4.3% YoY-0.6% QoQ	$-3K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	36%
CD Concentration	15.6% +28.4% YoY+25.0% QoQ	-8.7%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

352

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Median: 0.65%

#352 of 2508 Top 14.0% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

530

Net Interest Margin (NIM)

profitability

Value: 4.58%

Peer Median: 3.83%

#530 of 2508 Top 21.1% in <100M tier

590

Fee Income Per Member

profitability

Value: $112.60

Peer Median: $60.42

#590 of 2508 Top 23.5% in <100M tier

620

Loan-to-Share Ratio

balance_sheet

Value: 75.44%

Peer Median: 58.72%

#620 of 2508 Top 24.7% in <100M tier

Top Weaknesses (4 metrics)

2047

Net Worth Ratio

risk

Value: 10.13%

Peer Median: 14.28%

#2047 of 2508 Bottom 18.4% in <100M tier

2025

AMR Growth Rate

growth

Value: -4.31%

Peer Median: 1.27%

#2025 of 2508 Bottom 19.3% in <100M tier

1993

Deposit Growth Rate

growth

Value: -4.47%

Peer Median: 0.66%

#1993 of 2508 Bottom 20.6% in <100M tier

1978

Asset Growth Rate

growth

Value: -3.35%

Peer Median: 1.30%

#1978 of 2508 Bottom 21.2% in <100M tier