BlastPoint's Credit Union Scorecard
TELHIO
Charter #62848 · OH
TELHIO faces 14 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
- - Credit Quality Pressure: Bottom 0.7% in tier
- - Efficiency Drag: Bottom 4.3% in tier
- - Shrinking Wallet Share: Bottom 10.9% in tier
- - Wealth Migration Risk: Bottom 19.6% in tier
- - Liquidity Strain: Bottom 32.6% in tier
- - Deposit Outflow: Bottom 73.9% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 12.67% above tier (higher cost structure)
- - Delinquency rate 0.85% above tier average
- - Asset Growth Rate: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Deposit Growth Rate: Bottom 6.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,029
+0.4% YoY-1.0% QoQ
|
-30.6K |
98,678
-1.9% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$1.4B
-5.0% YoY-1.1% QoQ
|
$-364.2M |
$1.7B
+0.5% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$1.1B
-4.3% YoY-0.7% QoQ
|
$-162.0M |
$1.2B
+0.5% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$1.2B
-2.5% YoY-1.7% QoQ
|
$-298.4M |
$1.5B
+1.3% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
0.2%
-246.3% YoY+129.0% QoQ
|
-0.5% |
0.7%
+13.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.9% in tier |
| NIM |
3.2%
+21.2% YoY+4.0% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
86.6%
-8.7% YoY-1.1% QoQ
|
+12.7% |
74.0%
-10.9% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 5.6% in tier |
| Delinquency Rate |
1.7%
+301.7% YoY+31.7% QoQ
|
+0.9 |
0.8%
+6.1% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 7.2% in tier |
| Loan To Share |
92.7%
-1.8% YoY+1.0% QoQ
|
+7.5% |
85.2%
-0.8% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$32,736
-3.8% YoY-0.2% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
25.1%
+0.0% YoY-0.2% QoQ
|
-3.8% |
29.0%
+0.7% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
34% |
| Indirect Auto % |
10.0%
-24.8% YoY-7.5% QoQ
|
-8.8% |
18.8%
-3.0% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
35% |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)