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BlastPoint's Credit Union Scorecard

CAREY POVERELLO

Charter #6636 · OH

<100M
2508 CUs in <100M nationally 116 in OH

CAREY POVERELLO has 5 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.63% above tier average
  • + Deposit Growth Rate: Top 1.3% in tier
  • + Asset Growth Rate: Top 1.6% in tier
  • + AMR Growth Rate: Top 2.9% in tier
  • + Loan Growth Rate: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Concentration (%): Bottom 9.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 1,673
-0.7% YoY-0.2% QoQ
-1.0K 2,676
+1.6% YoY
16,936
+6.2% YoY
33,913
+5.7% YoY
44%
Assets $31.6M
+19.3% YoY+1.9% QoQ
+$1.4M $30.2M
+1.3% YoY
$257.9M
+8.7% YoY
$578.3M
+9.0% YoY
61%
Loans $9.8M
+15.5% YoY+2.4% QoQ
$-5.4M $15.3M
-2.0% YoY
$174.2M
+8.4% YoY
$402.4M
+8.7% YoY
51%
Deposits $27.4M
+21.7% YoY+2.0% QoQ
+$1.6M $25.8M
+0.7% YoY
$221.5M
+9.0% YoY
$494.3M
+9.1% YoY
61%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.8%
-31.8% YoY+19.0% QoQ
+0.6% 0.1%
-77.6% YoY
0.6%
+16.1% YoY
0.4%
-39.2% YoY
59%
NIM 2.9%
-9.7% YoY+0.9% QoQ
-1.1% 4.0%
+4.0% YoY
3.7%
+1.7% YoY
3.8%
+4.1% YoY
Bottom 14.9% in tier
Efficiency Ratio 73.8%
+0.3% YoY-10.7% QoQ
-16.8% 90.6%
+6.5% YoY
82.0%
-2.0% YoY
84.6%
+2.8% YoY
32%
Delinquency Rate 0.1%
+36.4% YoY-71.3% QoQ
-1.4 1.5%
+3.8% YoY
1.4%
+35.7% YoY
1.2%
+3.4% YoY
23%
Loan To Share 35.9%
-5.1% YoY+0.4% QoQ
-22.6% 58.5%
-3.0% YoY
61.3%
-2.1% YoY
65.6%
-1.4% YoY
18%
AMR $22,254
+20.9% YoY+2.3% QoQ
+$7K $14,884
-1.7% YoY
$17,686
+5.3% YoY
$19,920
+1.6% YoY
Top 14.6% in tier
CD Concentration 0.0% -24.3% 24.3% 19.4% 19.8% 50%
Indirect Auto % 8.8%
-25.4% YoY+3.2% QoQ
-5.0% 13.8% 11.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
34
Deposit Growth Rate
growth
Value: 21.69%
Peer Median: 0.66%
#34 of 2508 Top 1.3% in <100M tier
41
Asset Growth Rate
growth
Value: 19.26%
Peer Median: 1.30%
#41 of 2508 Top 1.6% in <100M tier
74
AMR Growth Rate
growth
Value: 20.86%
Peer Median: 1.27%
#74 of 2508 Top 2.9% in <100M tier
134
Loan Growth Rate
growth
Value: 15.54%
Peer Median: -2.36%
#134 of 2508 Top 5.3% in <100M tier
365
Average Member Relationship (AMR)
engagement
Value: $22,254
Peer Median: $13,926
#365 of 2508 Top 14.5% in <100M tier
569
Total Delinquency Rate (60+ days)
risk
Value: 0.11%
Peer Median: 0.65%
#569 of 2508 Top 22.6% in <100M tier

Top Weaknesses (4 metrics)

2280
Indirect Auto Concentration (%)
balance_sheet
Value: 8.84%
Peer Median: 0.00%
#2280 of 2508 Bottom 9.1% in <100M tier
2134
Net Interest Margin (NIM)
profitability
Value: 2.88%
Peer Median: 3.83%
#2134 of 2508 Bottom 15.0% in <100M tier
2068
Loan-to-Share Ratio
balance_sheet
Value: 35.94%
Peer Median: 58.72%
#2068 of 2508 Bottom 17.6% in <100M tier
1904
Members Per Employee (MPE)
engagement
Value: 239.000
Peer Median: 333.750
#1904 of 2508 Bottom 24.1% in <100M tier
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