BlastPoint's Credit Union Scorecard

TELHIO

Charter #62848 · OH

Mid-Market 1B-3B

Telhio at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Telhio is one of 101 credit unions in the 2026 VentureTech card set. We also found Telhio's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Telhio

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TELHIO
PEER · AT VENTURETECH
PEER · AT VENTURETECH
TELHIO'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 6 in OH

View Mid-Market leaderboard →

TELHIO at a glance

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

OH Analysis

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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#1 of 71 • Bottom 1.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.17%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.39%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Credit Quality Pressure

risk

#10 of 215 • Bottom 2.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.74% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY

Deposit Outflow

decline

#7 of 23 • Bottom 96.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.45%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.39%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#59 of 69 • Bottom 84.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.28%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Liquidity Strain

risk

#151 of 168 • Bottom 33.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.23%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -0.81%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (1 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $15,628

Peer Median: $12,809

#63 of 300 Top 20.7% in 1B-3B tier

Top Weaknesses (10 metrics)

296

Efficiency Ratio

profitability

Value: 93.17%

Peer Median: 73.62%

#296 of 300 Bottom 1.7% in 1B-3B tier

293

Return on Assets (ROA)

profitability

Value: 0.09%

Peer Median: 0.77%

#293 of 300 Bottom 2.7% in 1B-3B tier

288

Total Delinquency Rate (60+ days)

risk

Value: 2.01%

Peer Median: 0.70%

#288 of 300 Bottom 4.3% in 1B-3B tier

285

Deposit Growth Rate

growth

Value: -2.45%

Peer Median: 4.79%

#285 of 300 Bottom 5.3% in 1B-3B tier

277

Members Per Employee (MPE)

engagement

Value: 259.322

Peer Median: 346.173

#277 of 300 Bottom 8.0% in 1B-3B tier

273

Asset Growth Rate

growth

Value: -1.28%

Peer Median: 5.21%

#273 of 300 Bottom 9.3% in 1B-3B tier

255

Loan Growth Rate

growth

Value: -0.81%

Peer Median: 5.71%

#255 of 300 Bottom 15.3% in 1B-3B tier

251

AMR Growth Rate

growth

Value: -1.28%

Peer Median: 3.19%

#251 of 300 Bottom 16.7% in 1B-3B tier

237

Net Worth Ratio

risk

Value: 9.65%

Peer Median: 10.91%

#237 of 300 Bottom 21.3% in 1B-3B tier

228

Total Members

engagement

Value: 68,461

Peer Median: 86,516

#228 of 300 Bottom 24.3% in 1B-3B tier