BlastPoint's Credit Union Scorecard

BAY AREA

Charter #63375 · OH

1069 CUs in 100M-500M nationally 58 in OH

BAY AREA has 7 strengths but faces 13 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

  • + Organic Growth Engine: Top 38.4% in tier
  • + Emerging Performer: Top 39.8% in tier
  • + Strong member growth: 37.4% YoY
  • + Member Growth Rate: Top 0.7% in tier
  • + Asset Growth Rate: Top 1.0% in tier
  • + Deposit Growth Rate: Top 1.0% in tier
  • + Loan Growth Rate: Top 3.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 6.1% in tier
  • - Credit Risk Growth: Bottom 7.9% in tier
  • - Shrinking Wallet Share: Bottom 11.1% in tier
  • - Credit Quality Pressure: Bottom 34.9% in tier
  • - Efficiency Drag: Bottom 88.8% in tier
  • - ROA 0.05% below tier average
  • - Efficiency ratio 3.74% above tier (higher cost structure)
  • - Delinquency rate 0.17% above tier average
  • - AMR Growth Rate: Bottom 1.9% in tier
  • - Total Assets: Bottom 3.7% in tier
  • - Total Deposits: Bottom 4.7% in tier
  • - Indirect Auto Concentration (%): Bottom 5.9% in tier
  • - Total Loans: Bottom 6.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 7,488
+37.4% YoY+38.7% QoQ
 -7.9K 15,437
-2.9% YoY
 16,819
+5.2% YoY
 33,374
+5.7% YoY
 Bottom 13.8% in tier
Assets $105.5M
+29.6% YoY+23.5% QoQ
 $-126.3M $231.9M
+1.3% YoY
 $253.6M
+9.4% YoY
 $561.6M
+9.7% YoY
 Bottom 3.6% in tier
Loans $52.2M
+19.6% YoY+21.5% QoQ
 $-95.2M $147.3M
-0.1% YoY
 $173.0M
+7.8% YoY
 $397.0M
+8.8% YoY
 Bottom 5.9% in tier
Deposits $92.0M
+30.7% YoY+24.4% QoQ
 $-108.8M $200.8M
+0.8% YoY
 $217.1M
+9.6% YoY
 $477.3M
+9.7% YoY
 Bottom 4.6% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
+7.0% YoY+37.0% QoQ
 -0.1% 0.8%
+18.2% YoY
 0.4%
-22.9% YoY
 0.7%
+15.9% YoY
 46%
NIM 3.3%
+3.4% YoY-0.7% QoQ
 -0.3% 3.6%
+6.7% YoY
 3.8%
+3.7% YoY
 3.8%
+5.1% YoY
 33%
Efficiency Ratio 80.8%
-3.1% YoY-6.3% QoQ
 +3.7% 77.0%
-3.1% YoY
 82.6%
+2.4% YoY
 79.7%
-3.3% YoY
 62%
Delinquency Rate 1.1%
+39.1% YoY+30.6% QoQ
 +0.2 0.9%
+4.2% YoY
 1.6%
+33.3% YoY
 1.3%
-2.1% YoY
 73%
Loan To Share 56.7%
-8.5% YoY-2.3% QoQ
 -15.5% 72.2%
-1.1% YoY
 63.0%
-2.6% YoY
 67.4%
-1.7% YoY
 18%
AMR $19,257
-8.0% YoY-11.1% QoQ
 $-5K $24,676
+3.4% YoY
 $17,423
+5.7% YoY
 $19,687
+2.0% YoY
 29%
CD Concentration 23.5%
-2.3% YoY-4.2% QoQ
 -0.9% 24.4% 19.4% 19.8% 50%
Indirect Auto % 43.9%
+90.6% YoY+93.6% QoQ
 +30.1% 13.8% 11.2% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#229 of 595 • Top 38.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 37.42%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.71%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 43.91%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth
#73 of 182 • Top 39.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.71%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Member Growth (YoY): 37.42%
(Tier: 0.69%, National: 4.32%)
better than tier avg
182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally
→ No prior data (182 CUs now) | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#32 of 506 • Bottom 6.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 29.65%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 43.91%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 37.42%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | New qualifier

Credit Risk Growth

risk
#37 of 456 • Bottom 7.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 19.59%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.30% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Shrinking Wallet Share

decline
#24 of 208 • Bottom 11.1% in tier

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

Why This Signature
AMR Growth (YoY): -7.98%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | New qualifier

Credit Quality Pressure

risk
#247 of 705 • Bottom 34.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.30% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk
#478 of 538 • Bottom 88.8% in tier

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

Why This Signature
Efficiency Ratio: 80.76%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.05% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 37.42%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

8
Member Growth Rate
growth
Value: 37.42%
Peer Median: -
#8 of 1069 Top 0.7% in 100M-500M tier
12
Asset Growth Rate
growth
Value: 29.65%
Peer Median: -
#12 of 1069 Top 1.0% in 100M-500M tier
12
Deposit Growth Rate
growth
Value: 30.71%
Peer Median: -
#12 of 1069 Top 1.0% in 100M-500M tier
42
Loan Growth Rate
growth
Value: 19.59%
Peer Median: -
#42 of 1069 Top 3.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1050
AMR Growth Rate
growth
Value: -7.98%
Peer Median: -
#1050 of 1069 Bottom 1.9% in 100M-500M tier
1030
Total Assets
balance_sheet
Value: $105.55M
Peer Median: -
#1030 of 1069 Bottom 3.7% in 100M-500M tier
1020
Total Deposits
balance_sheet
Value: $92.02M
Peer Median: -
#1020 of 1069 Bottom 4.7% in 100M-500M tier
1007
Indirect Auto Concentration (%)
balance_sheet
Value: 43.91%
Peer Median: -
#1007 of 1069 Bottom 5.9% in 100M-500M tier
1006
Total Loans
balance_sheet
Value: $52.18M
Peer Median: -
#1006 of 1069 Bottom 6.0% in 100M-500M tier
922
Total Members
engagement
Value: 7,488
Peer Median: -
#922 of 1069 Bottom 13.8% in 100M-500M tier
876
Loan-to-Share Ratio
balance_sheet
Value: 56.71%
Peer Median: -
#876 of 1069 Bottom 18.1% in 100M-500M tier
829
Loan-to-Member Ratio (LMR)
engagement
Value: $6,968
Peer Median: -
#829 of 1069 Bottom 22.5% in 100M-500M tier
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