BlastPoint's Credit Union Scorecard
TELHIO
Charter #62848 · OH
TELHIO faces 8 concerns requiring attention
How does the industry compare?
What's your peer group doing?
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 1.9% in tier
- - Credit Quality Pressure: Bottom 2.7% in tier
- - Liquidity Strain: Bottom 33.6% in tier
- - Shrinking Wallet Share: Bottom 84.4% in tier
- - Deposit Outflow: Bottom 96.2% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 20.15% above tier (higher cost structure)
- - Delinquency rate 1.15% above tier average
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in Ohio.
- Shares and deposits -2.4% year over year ($1.15B in shares and deposits).
- Membership: 68,461 members, -0.4% vs a year ago.
- Delinquency rate 2.01%.
- Return on assets 0.09%.
- Efficiency ratio 93.17% vs a 73.02% peer average.
- Loan-to-share ratio 93.23% vs a 84.71% 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 |
68,461
-0.4% YoY+1.0% QoQ
|
-28.4K |
96,861
-1.9% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$1.4B
-1.3% YoY+0.6% QoQ
|
$-371.7M |
$1.7B
+0.4% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$1.1B
-0.8% YoY+0.2% QoQ
|
$-164.3M |
$1.2B
+0.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$1.1B
-2.4% YoY+0.5% QoQ
|
$-315.8M |
$1.5B
+0.5% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.1%
+10.1% YoY
|
-0.7% |
0.8%
+27.6% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.3% in tier |
| NIM |
3.4%
+8.7% YoY+1.9% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
93.2%
+6.4% YoY-3.8% QoQ
|
+20.1% |
73.0%
-2.7% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate |
2.0%
+57.9% YoY+13.5% QoQ
|
+1.2 |
0.9%
+7.3% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
93.2%
+1.7% YoY-0.2% QoQ
|
+8.5% |
84.7%
+0.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$32,390
-1.3% YoY-0.6% QoQ
|
+$3K |
$29,575
+1.5% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
24.6%
-2.1% YoY+1.6% QoQ
|
-4.4% | 29.1% | 19.2% | 20.0% | 30% |
| Indirect Auto % |
8.3%
-22.8% YoY-3.5% QoQ
|
-9.8% | 18.1% | 11.9% | 7.7% | 33% |
Signature Analysis
Strengths (0)
Concerns (5)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)