BlastPoint's Credit Union Scorecard

OCEAN STATE

Charter #66595 · RI

1077 CUs in 100M-500M nationally 3 in RI

OCEAN STATE has 4 strengths but faces 9 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

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 1.2% in tier
+ Net Charge-Off Rate: Top 7.5% in tier
+ Total Loans: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.7% in tier
- Liquidity Strain: Bottom 10.2% in tier
- Membership Headwinds: Bottom 17.0% in tier
- Stagnation Risk: Bottom 22.5% in tier
- Credit Quality Pressure: Bottom 22.9% in tier
- ROA 0.49% below tier average
- Efficiency ratio 13.55% above tier (higher cost structure)
- Delinquency rate 0.12% above tier average
- Member decline: -2.4% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	21,954 -2.4% YoY-2.9% QoQ	+6.3K	15,628 -3.4% YoY	35,904 +9.4% YoY	33,089 +6.1% YoY	80%
Assets	$334.3M -0.8% YoY-1.5% QoQ	+$103.0M	$231.3M -0.0% YoY	$771.6M +10.6% YoY	$547.7M +7.8% YoY	79%
Loans	$287.3M +0.3% YoY+0.2% QoQ	+$139.5M	$147.8M -1.4% YoY	$651.4M +12.0% YoY	$388.7M +8.6% YoY	Top 7.9% in tier
Deposits	$264.9M +1.2% YoY-1.8% QoQ	+$64.7M	$200.3M -0.0% YoY	$641.8M +11.9% YoY	$464.6M +9.3% YoY	74%

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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	0.3% +9.4% YoY-10.4% QoQ	-0.5%	0.8% +15.5% YoY	0.5% -21.3% YoY	0.7% +273.4% YoY	19%
NIM	3.1% +11.1% YoY+2.1% QoQ	-0.5%	3.6% +6.9% YoY	2.9% +1.1% YoY	3.7% +5.0% YoY	23%
Efficiency Ratio	90.8% -1.4% YoY+1.3% QoQ	+13.6%	77.3% -3.0% YoY	83.0% +4.4% YoY	79.1% -3.3% YoY	Top 9.6% in tier
Delinquency Rate	1.0% +6.4% YoY-9.5% QoQ	+0.1	0.9% +7.6% YoY	0.5% -36.2% YoY	1.2% -0.9% YoY	69%
Loan To Share	108.4% -0.9% YoY+2.0% QoQ	+35.7%	72.7% -1.5% YoY	78.6% +0.3% YoY	68.0% -1.7% YoY	Top 1.3% in tier
AMR	$25,154 +3.2% YoY+2.2% QoQ	+$791	$24,363 +2.9% YoY	$26,126 +7.2% YoY	$19,418 +1.3% YoY	65%
CD Concentration	25.3% +7.7% YoY+2.7% QoQ	+0.9%	24.4% +4.2% YoY	27.4% +6.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	10.6% +7.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#48 of 521 • Bottom 2.7% in tier

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

Why This Signature

Efficiency Ratio: 90.83%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -2.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk

#80 of 258 • Bottom 10.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 108.44%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.25%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Membership Headwinds

decline

#281 of 550 • Bottom 17.0% in tier

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

Why This Signature

Member Growth (YoY): -2.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#372 of 550 • Bottom 22.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.25%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.98%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#568 of 736 • Bottom 22.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 108.44%

Peer Avg: -

#14 of 1077 Top 1.2% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Avg: -

#82 of 1077 Top 7.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $287.29M

Peer Avg: -

#85 of 1077 Top 7.8% in 100M-500M tier

185

Loan-to-Member Ratio (LMR)

engagement

Value: $13,086

Peer Avg: -

#185 of 1077 Top 17.1% in 100M-500M tier

215

Total Members

engagement

Value: 21,954

Peer Avg: -

#215 of 1077 Top 19.9% in 100M-500M tier

230

Total Assets

balance_sheet

Value: $334.32M

Peer Avg: -

#230 of 1077 Top 21.3% in 100M-500M tier

249

Members Per Employee (MPE)

engagement

Value: 385.158

Peer Avg: -

#249 of 1077 Top 23.0% in 100M-500M tier

Top Weaknesses (6 metrics)

975

Efficiency Ratio

profitability

Value: 90.83%

Peer Avg: -

#975 of 1077 Bottom 9.6% in 100M-500M tier

922

Asset Growth Rate

growth

Value: -0.82%

Peer Avg: -

#922 of 1077 Bottom 14.5% in 100M-500M tier

919

Fee Income Per Member

profitability

Value: $99.83

Peer Avg: -

#919 of 1077 Bottom 14.8% in 100M-500M tier

876

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Avg: -

#876 of 1077 Bottom 18.8% in 100M-500M tier

840

Member Growth Rate

growth

Value: -2.44%

Peer Avg: -

#840 of 1077 Bottom 22.1% in 100M-500M tier

829

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier