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 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Member decline: -2.5% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
- Shares and deposits +1.5% year over year ($113M in shares and deposits).
- Membership: 8,134 members, -2.5% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 1.11%.
- Efficiency ratio 71.71% vs a 76.73% peer average.
- Loan-to-share ratio 68.13% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,134
-2.5% YoY-0.1% QoQ
|
-7.0K |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$129.3M
+3.5% YoY-0.4% QoQ
|
$-102.8M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$77.3M
+0.2% YoY+1.0% QoQ
|
$-69.0M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$113.4M
+1.5% YoY-1.2% QoQ
|
$-87.3M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.1%
-53.7% YoY+21.1% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
3.9%
-24.2% YoY-0.2% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
71.7%
+33.1% YoY-2.0% QoQ
|
-5.0% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.6%
-5.0% YoY+17.5% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
68.1%
-1.3% YoY+2.2% QoQ
|
-3.4% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$23,440
+3.5% YoY-0.2% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
25.5%
+1.0% YoY-2.4% QoQ
|
+0.9% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)