BlastPoint's Credit Union Scorecard

C E S

Charter #62352 · OH

1069 CUs in 100M-500M nationally 58 in OH

C E S has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?
OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 36.5% in tier
  • + Emerging Performer: Top 38.7% in tier
  • + ROA 0.88% above tier average
  • + Net Interest Margin 0.28% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 17,621
+2.0% YoY+0.5% QoQ
 +2.2K 15,437
-2.9% YoY
 16,819
+5.2% YoY
 33,374
+5.7% YoY
 67%
Assets $235.7M
+5.4% YoY+1.6% QoQ
 +$3.9M $231.9M
+1.3% YoY
 $253.6M
+9.4% YoY
 $561.6M
+9.7% YoY
 60%
Loans $132.1M
+9.6% YoY+1.9% QoQ
 $-15.3M $147.3M
-0.1% YoY
 $173.0M
+7.8% YoY
 $397.0M
+8.8% YoY
 54%
Deposits $203.6M
+3.6% YoY+1.2% QoQ
 +$2.8M $200.8M
+0.8% YoY
 $217.1M
+9.6% YoY
 $477.3M
+9.7% YoY
 60%

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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 1.6%
+9.3% YoY+3.3% QoQ
 +0.9% 0.8%
+18.2% YoY
 0.4%
-22.9% YoY
 0.7%
+15.9% YoY
 Top 7.3% in tier
NIM 3.9%
+8.2% YoY+1.4% QoQ
 +0.3% 3.6%
+6.7% YoY
 3.8%
+3.7% YoY
 3.8%
+5.1% YoY
 67%
Efficiency Ratio 67.3%
-3.5% YoY-1.2% QoQ
 -9.7% 77.0%
-3.1% YoY
 82.6%
+2.4% YoY
 79.7%
-3.3% YoY
 19%
Delinquency Rate 0.3%
-8.6% YoY+211.4% QoQ
 -0.6 0.9%
+4.2% YoY
 1.6%
+33.3% YoY
 1.3%
-2.1% YoY
 16%
Loan To Share 64.9%
+5.7% YoY+0.7% QoQ
 -7.4% 72.2%
-1.1% YoY
 63.0%
-2.6% YoY
 67.4%
-1.7% YoY
 32%
AMR $19,050
+3.8% YoY+1.0% QoQ
 $-6K $24,676
+3.4% YoY
 $17,423
+5.7% YoY
 $19,687
+2.0% YoY
 28%
CD Concentration 14.2%
-1.5% YoY-2.0% QoQ
 -10.2% 24.4% 19.4% 19.8% 50%
Indirect Auto % 29.3%
-0.0% YoY-0.4% QoQ
 +15.5% 13.8% 11.2% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#218 of 595 • Top 36.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.03%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.64%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 29.32%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth
#71 of 182 • Top 38.7% 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: 1.64%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Member Growth (YoY): 2.03%
(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 (1)

Indirect Auto Dependency

risk
#254 of 506 • Bottom 50.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.40%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 29.32%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 2.03%
(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 | Rank improving

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)

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

78
Return on Assets (ROA)
profitability
Value: 1.64%
Peer Median: -
#78 of 1069 Top 7.2% in 100M-500M tier
152
Net Charge-Off Rate
risk
Value: 0.10%
Peer Median: -
#152 of 1069 Top 14.1% in 100M-500M tier
173
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Median: -
#173 of 1069 Top 16.1% in 100M-500M tier
185
Loan Growth Rate
growth
Value: 9.56%
Peer Median: -
#185 of 1069 Top 17.2% in 100M-500M tier
205
Efficiency Ratio
profitability
Value: 67.35%
Peer Median: -
#205 of 1069 Top 19.1% in 100M-500M tier
214
Share Certificate Concentration (%)
balance_sheet
Value: 14.21%
Peer Median: -
#214 of 1069 Top 19.9% in 100M-500M tier

Top Weaknesses (1 metrics)

895
Indirect Auto Concentration (%)
balance_sheet
Value: 29.32%
Peer Median: -
#895 of 1069 Bottom 16.4% in 100M-500M tier
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