BlastPoint's Credit Union Scorecard
TELHIO
Charter #62848 · OH
TELHIO faces 8 concerns requiring attention
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.3% in tier
- - Credit Quality Pressure: Bottom 2.6% in tier
- - Capital Constraint: Bottom 26.9% in tier
- - Liquidity Strain: Bottom 26.9% in tier
- - Institutional Decline: Bottom 72.8% in tier
- - Stagnation Risk: Bottom 78.4% in tier
- - Accelerating Exit Risk: Bottom 78.4% in tier
- - Membership Headwinds: Bottom 78.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,801
-0.8% YoY-0.6% QoQ
|
-28.2K |
96,048
-2.7% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$1.3B
-3.5% YoY-0.8% QoQ
|
$-375.7M |
$1.7B
+0.4% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$1.1B
-2.4% YoY-0.9% QoQ
|
$-146.5M |
$1.2B
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$1.1B
-4.7% YoY-0.6% QoQ
|
$-323.4M |
$1.5B
+0.5% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
0.0%
-51.7% YoY-73.9% QoQ
|
-0.7% |
0.7%
+27.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.2% in tier |
| NIM |
3.3%
+13.5% YoY+0.4% QoQ
|
-0.1% |
3.4%
+6.2% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
96.9%
+12.9% YoY+10.8% QoQ
|
+22.2% |
74.6%
-3.0% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
1.8%
+85.1% YoY+16.2% QoQ
|
+1.0 |
0.8%
+6.9% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
93.4%
+2.4% YoY-0.3% QoQ
|
+10.3% |
83.2%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$32,587
-2.8% YoY-0.2% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
24.2%
-3.7% YoY-0.3% QoQ
|
-4.6% | 28.8% | 19.4% | 19.8% | 29% |
| Indirect Auto % |
8.6%
-23.1% YoY-6.2% QoQ
|
-9.5% | 18.1% | 11.4% | 7.7% | 36% |
Signature Analysis
Strengths (0)
Concerns (10)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)