BlastPoint's Credit Union Scorecard
S.C.F.E.
Charter #63340 · OH
S.C.F.E. has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.54% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Total Members: Bottom 3.8% in tier
- - Share Certificate Concentration (%): Bottom 4.6% in tier
- - Members Per Employee (MPE): Bottom 5.2% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165
-2.9% YoY-1.2% QoQ
|
-2.5K |
2,683
-1.2% YoY
|
15,644
+3.2% YoY
|
31,195
+5.6% YoY
|
Bottom 3.7% in tier |
| Assets |
$1.4M
+2.0% YoY-0.9% QoQ
|
$-28.2M |
$29.5M
+0.1% YoY
|
$225.4M
+6.2% YoY
|
$507.9M
+7.0% YoY
|
Bottom 7.8% in tier |
| Loans |
$900,345
-10.6% YoY-10.7% QoQ
|
$-15.2M |
$16.1M
+0.3% YoY
|
$156.9M
+4.8% YoY
|
$358.1M
+5.9% YoY
|
Bottom 10.7% in tier |
| Deposits |
$1.2M
+1.3% YoY-1.1% QoQ
|
$-24.2M |
$25.4M
-0.8% YoY
|
$190.7M
+5.9% YoY
|
$425.3M
+6.5% YoY
|
Bottom 8.4% in tier |
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| ROA |
0.9%
+22.6% YoY+7.0% QoQ
|
+1.0% |
-0.1%
-119.4% YoY
|
0.6%
-9.8% YoY
|
0.2%
-69.3% YoY
|
60% |
| NIM |
4.3%
-11.4% YoY+0.1% QoQ
|
+0.5% |
3.8%
+12.5% YoY
|
3.6%
+9.6% YoY
|
3.6%
+9.2% YoY
|
71% |
| Efficiency Ratio |
74.4%
-2.5% YoY+2.3% QoQ
|
-9.0% |
83.4%
-1.6% YoY
|
81.0%
-2.0% YoY
|
81.8%
-0.3% YoY
|
39% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+12.6% YoY
|
1.1%
+26.9% YoY
|
1.2%
+14.8% YoY
|
Top 0.1% in tier |
| Loan To Share |
75.1%
-11.8% YoY-9.6% QoQ
|
+11.9% |
63.1%
+2.1% YoY
|
65.4%
+0.6% YoY
|
69.2%
+1.2% YoY
|
67% |
| AMR |
$12,724
-1.3% YoY-4.3% QoQ
|
$-2K |
$15,039
+4.8% YoY
|
$16,149
+2.4% YoY
|
$19,175
+3.6% YoY
|
45% |
| CD Concentration |
43.7%
-5.0% YoY-9.2% QoQ
|
+20.3% | 23.4% | 17.7% | 18.5% | 50% |
| Indirect Auto % | 0.0% | -14.8% | 14.8% | 11.3% | 8.1% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)