BlastPoint's Credit Union Scorecard

OCEAN STATE

Charter #66595 · RI

100M-500M

1024 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 4.3% in tier
+ Net Charge-Off Rate: Top 6.3% in tier
+ Total Loans: Top 9.7% 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 0.82% below tier average
- Efficiency ratio 19.61% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 3 that size in Rhode Island.
Shares and deposits +5.2% year over year ($284M in shares and deposits).
Membership: 22,401 members, -0.9% vs a year ago.
Delinquency rate 1.55%.
Return on assets 0.04%.
Efficiency ratio 96.34% vs a 76.73% peer average.
Loan-to-share ratio 96.93% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	22,401 -0.9% YoY+1.3% QoQ	+7.2K	15,168 -2.6% YoY	36,207 +1.5% YoY	34,678 +6.6% YoY	84%
Assets	$350.7M +3.4% YoY-0.2% QoQ	+$118.7M	$232.0M +0.7% YoY	$799.8M +4.8% YoY	$593.1M +10.2% YoY	82%
Loans	$275.1M -4.1% YoY-0.2% QoQ	+$128.9M	$146.3M +0.2% YoY	$674.3M +4.7% YoY	$418.6M +10.1% YoY	Top 9.8% in tier
Deposits	$283.8M +5.2% YoY-0.2% QoQ	+$83.1M	$200.7M +0.2% YoY	$660.1M +3.9% YoY	$504.8M +10.3% YoY	79%

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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	0.0% -87.2% YoY-67.3% QoQ	-0.8%	0.9% +12.5% YoY	0.6% +34.2% YoY	1.2% +121.4% YoY	Bottom 1.4% in tier
NIM	3.1% +1.4% YoY+2.5% QoQ	-0.6%	3.7% +4.5% YoY	3.1% +8.2% YoY	3.8% +2.3% YoY	17%
Efficiency Ratio	96.3% +7.4% YoY-0.0% QoQ	+19.6%	76.7% -0.8% YoY	83.1% -1.8% YoY	83.0% -5.3% YoY	Bottom 3.2% in tier
Delinquency Rate	1.6% +43.3% YoY+0.5% QoQ	+0.7	0.9% +6.6% YoY	0.6% -10.1% YoY	1.3% +2.6% YoY	Bottom 13.2% in tier
Loan To Share	96.9% -8.9% YoY+0.1% QoQ	+25.4%	71.5% -0.3% YoY	77.6% -0.3% YoY	66.4% -1.4% YoY	Top 4.4% in tier
AMR	$24,953 +1.4% YoY-1.5% QoQ	$-153	$25,107 +3.2% YoY	$27,022 +3.9% YoY	$20,028 -0.9% YoY	61%
CD Concentration	25.7% +4.5% YoY-0.2% QoQ	+1.2%	24.6%	27.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	10.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#48 of 531 • 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: 96.34%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.29% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.92%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#149 of 693 • 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): 0.47% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Stagnation Risk

risk

#214 of 549 • 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): -0.92%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.08%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.55%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#144 of 230 • 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: $350.72M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -0.92%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.08%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Liquidity Strain

risk

#143 of 224 • 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: 96.93%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -4.08%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Membership Headwinds

decline

#471 of 549 • 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): -0.92%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.93%

Peer Median: 73.07%

#45 of 1024 Top 4.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: 0.34%

#66 of 1024 Top 6.3% in 100M-500M tier

100

Total Loans

balance_sheet

Value: $275.13M

Peer Median: $124.04M

#100 of 1024 Top 9.7% in 100M-500M tier

168

Total Members

engagement

Value: 22,401

Peer Median: 13,128

#168 of 1024 Top 16.3% in 100M-500M tier

185

Total Assets

balance_sheet

Value: $350.72M

Peer Median: $196.38M

#185 of 1024 Top 18.0% in 100M-500M tier

218

Total Deposits

balance_sheet

Value: $283.85M

Peer Median: $170.77M

#218 of 1024 Top 21.2% in 100M-500M tier

243

Loan-to-Member Ratio (LMR)

engagement

Value: $12,282

Peer Median: $9,434

#243 of 1024 Top 23.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1010

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: 0.75%

#1010 of 1024 Bottom 1.5% in 100M-500M tier

992

Efficiency Ratio

profitability

Value: 96.34%

Peer Median: 77.26%

#992 of 1024 Bottom 3.2% in 100M-500M tier

945

Fee Income Per Member

profitability

Value: $81.22

Peer Median: $159.88

#945 of 1024 Bottom 7.8% in 100M-500M tier

895

Loan Growth Rate

growth

Value: -4.08%

Peer Median: 3.02%

#895 of 1024 Bottom 12.7% in 100M-500M tier

890

Total Delinquency Rate (60+ days)

risk

Value: 1.55%

Peer Median: 0.71%

#890 of 1024 Bottom 13.2% in 100M-500M tier

849

Net Interest Margin (NIM)

profitability

Value: 3.07%

Peer Median: 3.67%

#849 of 1024 Bottom 17.2% in 100M-500M tier