BlastPoint's Credit Union Scorecard

OCEAN STATE

Charter #66595 · RI

100M-500M

1070 CUs in 100M-500M nationally 3 in RI

OCEAN STATE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

RI Analysis

How does RI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan-to-Share Ratio: Top 2.8% in tier
+ Net Charge-Off Rate: Top 5.7% in tier
+ Total Loans: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.60% below tier average
- Efficiency ratio 18.33% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	22,117 -1.9% YoY+0.7% QoQ	+7.0K	15,145 -2.5% YoY	36,204 +9.0% YoY	33,913 +5.7% YoY	83%
Assets	$351.3M +0.9% YoY+2.8% QoQ	+$119.5M	$231.7M +0.8% YoY	$787.6M +11.2% YoY	$578.3M +9.0% YoY	82%
Loans	$275.6M -2.9% YoY-2.4% QoQ	+$131.4M	$144.1M +0.2% YoY	$657.2M +10.2% YoY	$402.4M +8.7% YoY	Top 8.5% in tier
Deposits	$284.5M +4.9% YoY+3.4% QoQ	+$83.3M	$201.1M +0.4% YoY	$658.7M +12.2% YoY	$494.3M +9.1% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -53.6% YoY-51.5% QoQ	-0.6%	0.7% +5.1% YoY	0.4% +126.0% YoY	0.4% -39.2% YoY	Bottom 13.3% in tier
NIM	3.0% +2.8% YoY-3.8% QoQ	-0.6%	3.6% +4.6% YoY	3.0% +2.3% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	96.4% +6.5% YoY+4.9% QoQ	+18.3%	78.0% -1.7% YoY	87.4% -0.7% YoY	84.6% +2.8% YoY	Bottom 5.0% in tier
Delinquency Rate	1.5% +58.1% YoY+27.1% QoQ	+0.8	0.8% +7.1% YoY	0.4% -7.6% YoY	1.2% +3.4% YoY	Bottom 10.1% in tier
Loan To Share	96.9% -7.5% YoY-5.6% QoQ	+26.4%	70.4% -0.4% YoY	77.1% +1.0% YoY	65.6% -1.4% YoY	Top 2.9% in tier
AMR	$25,322 +2.9% YoY-0.2% QoQ	+$403	$24,918 +2.7% YoY	$26,738 +8.0% YoY	$19,920 +1.6% YoY	63%
CD Concentration	25.8% +4.9% YoY+2.7% QoQ	+1.5%	24.3%	27.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#38 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 96.35%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.89%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#93 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.57% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#146 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.89%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.89%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.54%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#135 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $351.26M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.89%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.89%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Liquidity Strain

risk

#105 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.86%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -2.89%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Membership Headwinds

decline

#365 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.89%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.86%

Peer Median: 71.88%

#31 of 1070 Top 2.8% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.35%

#62 of 1070 Top 5.7% in 100M-500M tier

Total Loans

balance_sheet

Value: $275.55M

Peer Median: $121.41M

#91 of 1070 Top 8.4% in 100M-500M tier

178

Total Members

engagement

Value: 22,117

Peer Median: 13,200

#178 of 1070 Top 16.5% in 100M-500M tier

197

Total Assets

balance_sheet

Value: $351.26M

Peer Median: $196.57M

#197 of 1070 Top 18.3% in 100M-500M tier

225

Loan-to-Member Ratio (LMR)

engagement

Value: $12,459

Peer Median: $9,356

#225 of 1070 Top 20.9% in 100M-500M tier

234

Total Deposits

balance_sheet

Value: $284.48M

Peer Median: $171.29M

#234 of 1070 Top 21.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1018

Efficiency Ratio

profitability

Value: 96.35%

Peer Median: 78.68%

#1018 of 1070 Bottom 5.0% in 100M-500M tier

963

Total Delinquency Rate (60+ days)

risk

Value: 1.54%

Peer Median: 0.61%

#963 of 1070 Bottom 10.1% in 100M-500M tier

957

Fee Income Per Member

profitability

Value: $81.56

Peer Median: $154.95

#957 of 1070 Bottom 10.7% in 100M-500M tier

928

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Median: 0.69%

#928 of 1070 Bottom 13.4% in 100M-500M tier

898

Net Interest Margin (NIM)

profitability

Value: 3.00%

Peer Median: 3.62%

#898 of 1070 Bottom 16.2% in 100M-500M tier

882

Loan Growth Rate

growth

Value: -2.89%

Peer Median: 2.93%

#882 of 1070 Bottom 17.7% in 100M-500M tier

824

Asset Growth Rate

growth

Value: 0.94%

Peer Median: 3.91%

#824 of 1070 Bottom 23.1% in 100M-500M tier