BlastPoint's Credit Union Scorecard
COLUMBIANA COUNTY SCHOOL EMPL
Charter #63676 · OH
COLUMBIANA COUNTY SCHOOL EMPL has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.45% above tier average
- + Net Worth Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.85% below tier average
- - Efficiency ratio 52.57% above tier (higher cost structure)
- - Member decline: -7.1% YoY
- - Fee Income Per Member: Bottom 4.7% in tier
- - Net Charge-Off Rate: Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
839
-7.1% YoY-1.1% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$6.2M
-3.7% YoY-1.3% QoQ
|
$-24.0M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$2.1M
-16.1% YoY-7.8% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$4.5M
-4.8% YoY-1.0% QoQ
|
$-21.3M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
-2.7%
-484.4% YoY-521.8% QoQ
|
-2.8% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.6% in tier |
| NIM |
4.5%
-5.7% YoY-9.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
143.2%
+76.6% YoY+61.7% QoQ
|
+52.6% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
0.7%
+12.6% YoY-45.5% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
45.6%
-11.9% YoY-6.9% QoQ
|
-12.9% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$7,841
-1.7% YoY-2.2% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 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)