BlastPoint's Credit Union Scorecard
TELHIO
Charter #62848 · OH
TELHIO has 3 strengths but faces 11 concerns
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 98.8% in tier
- + Organic Growth Leader: Top 99.3% in tier
- + Net Interest Margin 0.01% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.2% in tier
- - Efficiency Drag: Bottom 10.1% in tier
- - Shrinking Wallet Share: Bottom 56.4% in tier
- - Deposit Outflow: Bottom 61.1% in tier
- - Liquidity Strain: Bottom 88.5% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 13.38% above tier (higher cost structure)
- - Delinquency rate 0.63% above tier average
- - Asset Growth Rate: Bottom 4.0% in tier
- - Deposit Growth Rate: Bottom 6.0% in tier
- - Members Per Employee (MPE): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,199
+0.5% YoY+0.2% QoQ
|
-29.2K |
97,431
-2.4% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$1.4B
-5.4% YoY-0.1% QoQ
|
$-368.8M |
$1.7B
+0.9% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$1.1B
-1.4% YoY+0.5% QoQ
|
$-157.7M |
$1.2B
+0.5% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$1.1B
-2.9% YoY-0.6% QoQ
|
$-309.9M |
$1.5B
+0.9% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
0.1%
-285.4% YoY-16.9% QoQ
|
-0.5% |
0.7%
+20.9% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.9% in tier |
| NIM |
3.3%
+22.0% YoY+2.2% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
87.4%
-6.8% YoY+0.9% QoQ
|
+13.4% |
74.1%
-9.5% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
1.5%
+82.4% YoY-9.1% QoQ
|
+0.6 |
0.9%
+6.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 12.9% in tier |
| Loan To Share |
93.7%
+1.5% YoY+1.1% QoQ
|
+8.9% |
84.8%
-0.8% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$32,642
-2.7% YoY-0.3% QoQ
|
+$3K |
$29,428
+2.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
24.3%
-4.6% YoY-3.3% QoQ
|
-4.7% | 29.0% | 19.4% | 19.8% | 30% |
| Indirect Auto % |
9.2%
-26.6% YoY-7.9% QoQ
|
-9.1% | 18.3% | 11.2% | 7.8% | 35% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)