BlastPoint's Credit Union Scorecard

CHAMPION

Charter #63100 · OH

<100M

2556 CUs in <100M nationally 118 in OH

CHAMPION has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 6.5% in tier
+ Total Deposits: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 3.27% above tier (higher cost structure)
- Member decline: -3.1% YoY
- Indirect Auto Concentration (%): Bottom 3.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	5,494 -3.1% YoY-0.7% QoQ	+2.9K	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	Top 11.3% in tier
Assets	$72.5M +2.8% YoY+0.3% QoQ	+$42.4M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	Top 11.3% in tier
Loans	$24.8M -2.4% YoY+2.0% QoQ	+$9.1M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	77%
Deposits	$64.0M +2.5% YoY-0.1% QoQ	+$38.3M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	Top 10.0% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.6% +132.8% YoY+21.8% QoQ	+0.0%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	47%
NIM	2.9% +15.1% YoY+1.1% QoQ	-1.0%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	18%
Efficiency Ratio	85.8% -5.2% YoY-2.8% QoQ	+3.3%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	0.6% -32.5% YoY-24.5% QoQ	-1.0	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	45%
Loan To Share	38.8% -4.8% YoY+2.0% QoQ	-21.8%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	18%
AMR	$16,172 +4.3% YoY+1.2% QoQ	+$1K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	63%
CD Concentration	3.9% +1.5% YoY-0.0% QoQ	-20.6%	24.4%	19.4%	19.8%	50%
Indirect Auto %	31.1% -13.8% YoY-5.3% QoQ	+17.3%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (5 metrics)

167

Fee Income Per Member

profitability

Value: $203.46

Peer Median: -

#167 of 2556 Top 6.5% in <100M tier

255

Total Deposits

balance_sheet

Value: $64.02M

Peer Median: -

#255 of 2556 Top 9.9% in <100M tier

288

Total Members

engagement

Value: 5,494

Peer Median: -

#288 of 2556 Top 11.2% in <100M tier

290

Total Assets

balance_sheet

Value: $72.50M

Peer Median: -

#290 of 2556 Top 11.3% in <100M tier

593

Total Loans

balance_sheet

Value: $24.83M

Peer Median: -

#593 of 2556 Top 23.2% in <100M tier

Top Weaknesses (3 metrics)

2459

Indirect Auto Concentration (%)

balance_sheet

Value: 31.07%

Peer Median: -

#2459 of 2556 Bottom 3.8% in <100M tier

2100

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Median: -

#2100 of 2556 Bottom 17.9% in <100M tier

2093

Loan-to-Share Ratio

balance_sheet

Value: 38.79%

Peer Median: -

#2093 of 2556 Bottom 18.2% in <100M tier