BlastPoint's Credit Union Scorecard

C E S

Charter #62352 · OH

1077 CUs in 100M-500M nationally 58 in OH

C E S has 7 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 14.4% in tier
+ Credit Quality Leader: Top 17.1% in tier
+ Profitability Leader: Top 35.4% in tier
+ Emerging Performer: Top 49.5% in tier
+ ROA 0.80% above tier average
+ Net Interest Margin 0.24% above tier average
+ Total Delinquency Rate (60+ days): Top 4.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	17,537 +1.8% YoY+0.4% QoQ	+1.9K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	66%
Assets	$231.9M +8.0% YoY-0.8% QoQ	+$632K	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	59%
Loans	$129.6M +6.3% YoY+2.6% QoQ	$-18.2M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	52%
Deposits	$201.2M +6.9% YoY-1.6% QoQ	+$949K	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% 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% +11.0% YoY+1.9% QoQ	+0.8%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	Top 9.8% in tier
NIM	3.8% +7.1% YoY+1.7% QoQ	+0.2%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	64%
Efficiency Ratio	68.1% -5.0% YoY+0.1% QoQ	-9.1%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	22%
Delinquency Rate	0.1% -45.5% YoY-21.3% QoQ	-0.8	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	Bottom 4.8% in tier
Loan To Share	64.4% -0.5% YoY+4.3% QoQ	-8.3%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	30%
AMR	$18,866 +4.7% YoY-0.4% QoQ	$-5K	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	28%
CD Concentration	14.5% +7.8% YoY+1.0% QoQ	-9.9%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	29.4% -0.5% YoY-1.5% QoQ	+15.4%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#265 of 603 • Top 14.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.83%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.59%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 29.42%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#59 of 340 • Top 17.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.10%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.08% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Profitability Leader

growth

#121 of 340 • Top 35.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.59%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Emerging Performer

growth

#95 of 191 • Top 49.5% 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: 1.59%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.83%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#129 of 525 • Bottom 8.0% in tier

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

Why This Signature

Asset Growth (YoY): 8.00%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 29.42%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.83%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

106

Return on Assets (ROA)

profitability

Value: 1.59%

Peer Avg: -

#106 of 1077 Top 9.7% in 100M-500M tier

157

Net Charge-Off Rate

risk

Value: 0.09%

Peer Avg: -

#157 of 1077 Top 14.5% in 100M-500M tier

210

Asset Growth Rate

growth

Value: 8.00%

Peer Avg: -

#210 of 1077 Top 19.4% in 100M-500M tier

225

Share Certificate Concentration (%)

balance_sheet

Value: 14.50%

Peer Avg: -

#225 of 1077 Top 20.8% in 100M-500M tier

235

Efficiency Ratio

profitability

Value: 68.14%

Peer Avg: -

#235 of 1077 Top 21.7% in 100M-500M tier

Top Weaknesses (1 metrics)

893

Indirect Auto Concentration (%)

balance_sheet

Value: 29.42%

Peer Avg: -

#893 of 1077 Bottom 17.2% in 100M-500M tier