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: 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 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 3.74% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
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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| 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 (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)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)