BlastPoint's Credit Union Scorecard
COLUMBIANA COUNTY SCHOOL EMPL
Charter #63676 · OH
COLUMBIANA COUNTY SCHOOL EMPL has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Net Interest Margin 0.98% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.00% above tier (higher cost structure)
- - Member decline: -6.2% YoY
- - Fee Income Per Member: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
848
-6.2% YoY-2.9% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$6.3M
-1.6% YoY-1.1% QoQ
|
$-23.8M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$2.2M
-10.7% YoY-3.7% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$4.6M
-3.1% YoY-2.1% QoQ
|
$-21.1M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.6%
+65.0% YoY+144.5% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
4.9%
-3.0% YoY+1.2% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
88.6%
+7.8% YoY-6.3% QoQ
|
+6.0% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.3%
+77.2% YoY+21.6% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
48.9%
-7.8% YoY-1.6% QoQ
|
-11.7% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$8,015
+0.5% YoY+0.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)