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 0.19% above tier average
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,145
-1.9% YoY-1.5% QoQ
|
-7.0K |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$129.8M
+4.6% YoY+0.4% QoQ
|
$-101.9M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$76.5M
+0.8% YoY-0.8% QoQ
|
$-67.6M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$114.8M
+3.2% YoY+0.8% QoQ
|
$-86.3M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
0.9%
-30.8% YoY-27.4% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
3.9%
-4.5% YoY-1.5% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
73.2%
+11.5% YoY+11.7% QoQ
|
-4.8% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
0.5%
-4.8% YoY-35.8% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
66.6%
-2.3% YoY-1.6% QoQ
|
-3.8% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$23,491
+4.2% YoY+1.7% QoQ
|
$-1K |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
26.1%
+8.3% YoY+0.1% QoQ
|
+1.8% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)