BlastPoint's Credit Union Scorecard

OCEAN STATE

Charter #66595 · RI

1069 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 1.5% in tier
+ Net Charge-Off Rate: Top 5.8% in tier
+ Total Loans: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.4% in tier
- Liquidity Strain: Bottom 35.2% in tier
- Stagnation Risk: Bottom 40.1% in tier
- Credit Quality Pressure: Bottom 53.4% in tier
- Membership Headwinds: Bottom 54.2% in tier
- ROA 0.49% below tier average
- Efficiency ratio 14.81% above tier (higher cost structure)
- Delinquency rate 0.32% above tier average
- Member decline: -2.5% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	21,971 -2.5% YoY+0.1% QoQ	+6.5K	15,437 -2.9% YoY	35,881 +9.1% YoY	33,374 +5.7% YoY	82%
Assets	$341.8M -0.6% YoY+2.2% QoQ	+$110.0M	$231.9M +1.3% YoY	$774.2M +10.8% YoY	$561.6M +9.7% YoY	80%
Loans	$282.3M +0.5% YoY-1.7% QoQ	+$135.0M	$147.3M -0.1% YoY	$651.4M +11.4% YoY	$397.0M +8.8% YoY	Top 8.8% in tier
Deposits	$275.1M +2.5% YoY+3.8% QoQ	+$74.3M	$200.8M +0.8% YoY	$643.2M +11.9% YoY	$477.3M +9.7% YoY	76%

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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% -10.3% YoY-10.1% QoQ	-0.5%	0.8% +18.2% YoY	0.5% -9.1% YoY	0.7% +15.9% YoY	16%
NIM	3.1% +9.7% YoY+0.8% QoQ	-0.5%	3.6% +6.7% YoY	3.0% +1.1% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	91.8% +0.7% YoY+1.1% QoQ	+14.8%	77.0% -3.1% YoY	84.1% +1.5% YoY	79.7% -3.3% YoY	Top 7.2% in tier
Delinquency Rate	1.2% +18.7% YoY+24.0% QoQ	+0.3	0.9% +4.2% YoY	0.5% -30.0% YoY	1.3% -2.1% YoY	79%
Loan To Share	102.6% -2.0% YoY-5.3% QoQ	+30.4%	72.2% -1.1% YoY	78.0% +0.8% YoY	67.4% -1.7% YoY	Top 1.6% in tier
AMR	$25,370 +4.0% YoY+0.9% QoQ	+$694	$24,676 +3.4% YoY	$26,466 +8.1% YoY	$19,687 +2.0% YoY	65%
CD Concentration	25.1% -0.0% YoY-0.7% QoQ	+0.7%	24.4%	27.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#30 of 538 • Bottom 5.4% in tier

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

Why This Signature

Efficiency Ratio: 91.83%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.46%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Liquidity Strain

risk

#81 of 228 • Bottom 35.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 102.65%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 0.46%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Stagnation Risk

risk

#223 of 554 • Bottom 40.1% 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): -2.46%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.46%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.21%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#377 of 705 • Bottom 53.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Membership Headwinds

decline

#301 of 554 • Bottom 54.2% in tier

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

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 102.65%

Peer Median: -

#17 of 1069 Top 1.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

Total Loans

balance_sheet

Value: $282.35M

Peer Median: -

#94 of 1069 Top 8.7% in 100M-500M tier

198

Total Members

engagement

Value: 21,971

Peer Median: -

#198 of 1069 Top 18.4% in 100M-500M tier

205

Loan-to-Member Ratio (LMR)

engagement

Value: $12,851

Peer Median: -

#205 of 1069 Top 19.1% in 100M-500M tier

208

Total Assets

balance_sheet

Value: $341.81M

Peer Median: -

#208 of 1069 Top 19.4% in 100M-500M tier

242

Members Per Employee (MPE)

engagement

Value: 385.456

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

251

Total Deposits

balance_sheet

Value: $275.06M

Peer Median: -

#251 of 1069 Top 23.4% in 100M-500M tier

Top Weaknesses (7 metrics)

993

Efficiency Ratio

profitability

Value: 91.83%

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

937

Asset Growth Rate

growth

Value: -0.60%

Peer Median: -

#937 of 1069 Bottom 12.4% in 100M-500M tier

929

Fee Income Per Member

profitability

Value: $97.89

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

903

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

842

Total Delinquency Rate (60+ days)

risk

Value: 1.21%

Peer Median: -

#842 of 1069 Bottom 21.3% in 100M-500M tier

823

Net Interest Margin (NIM)

profitability

Value: 3.12%

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier

822

Member Growth Rate

growth

Value: -2.46%

Peer Median: -

#822 of 1069 Bottom 23.2% in 100M-500M tier