BlastPoint's Credit Union Scorecard
BAY AREA
Charter #63375 · OH
BAY AREA has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Strong member growth: 34.4% YoY
- + Member Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 0.8% in tier
- + Asset Growth Rate: Top 1.1% in tier
- + Loan Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 5.73% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
- Shares and deposits +24.4% year over year ($93.8M in shares and deposits).
- Membership: 7,284 members, +34.4% vs a year ago.
- Delinquency rate 1.21%.
- Return on assets 0.69%.
- Efficiency ratio 82.47% vs a 76.73% peer average.
- Loan-to-share ratio 53.43% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,284
+34.4% YoY-1.6% QoQ
|
-7.9K |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 13.5% in tier |
| Assets |
$107.9M
+24.2% YoY-0.6% QoQ
|
$-124.2M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.6% in tier |
| Loans |
$50.1M
+17.2% YoY-1.6% QoQ
|
$-96.1M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.6% in tier |
| Deposits |
$93.8M
+24.4% YoY-1.1% QoQ
|
$-106.9M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.9% in tier |
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| ROA |
0.7%
+38.8% YoY+18.4% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
3.6%
+11.0% YoY+2.7% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
82.5%
-6.1% YoY-7.4% QoQ
|
+5.7% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
1.2%
+65.2% YoY+31.9% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
53.4%
-5.8% YoY-0.5% QoQ
|
-18.1% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.8% in tier |
| AMR |
$19,762
-9.3% YoY+0.3% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
22.2%
-11.0% YoY-2.8% QoQ
|
-2.3% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
21.9%
-2.6% YoY-3.2% QoQ
|
+8.3% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)