BlastPoint's Credit Union Scorecard
COMMUNITY ONE CREDIT UNION OF OHIO
Charter #62628 · OH
COMMUNITY ONE CREDIT UNION OF OHIO has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,268
-0.8% YoY-0.1% QoQ
|
-7.2K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$129.3M
+6.2% YoY+2.7% QoQ
|
$-102.5M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$77.1M
+1.8% YoY-0.2% QoQ
|
$-70.2M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$113.9M
+3.8% YoY+2.2% QoQ
|
$-86.9M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.3%
-3.5% YoY-1.7% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.9%
-4.5% YoY-1.4% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
65.5%
+1.7% YoY-0.1% QoQ
|
-11.5% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.8%
+102.3% YoY-0.4% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
67.7%
-2.0% YoY-2.4% QoQ
|
-4.5% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$23,102
+3.8% YoY+1.4% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
26.1%
+12.2% YoY+1.6% QoQ
|
+1.7% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)