BlastPoint's Credit Union Scorecard
DAY AIR
Charter #66835 · OH
DAY AIR has 3 strengths but faces 5 concerns
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.44% above tier average
- + Efficiency Ratio: Top 3.4% in tier
- + Fee Income Per Member: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.1% in tier
- - Credit Quality Pressure: Bottom 32.7% in tier
- - Indirect Auto Dependency: Bottom 45.9% in tier
- - Delinquency rate 0.18% above tier average
- - Indirect Auto Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,982
+1.5% YoY+0.2% QoQ
|
+2.5K |
51,500
+0.7% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
59% |
| Assets |
$892.9M
+4.6% YoY+0.3% QoQ
|
+$27.2M |
$865.6M
+0.9% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$692.7M
-0.3% YoY-3.3% QoQ
|
+$97.5M |
$595.3M
+1.6% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
79% |
| Deposits |
$733.7M
+5.0% YoY+0.3% QoQ
|
$-8.5M |
$742.2M
+0.6% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
2.2%
+31.5% YoY+37.5% QoQ
|
+1.4% |
0.8%
+45.0% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Top 2.6% in tier |
| NIM |
3.4%
+3.2% YoY-2.5% QoQ
|
-0.1% |
3.5%
+6.1% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
50.6%
-9.9% YoY-9.6% QoQ
|
-24.9% |
75.5%
-3.4% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.9%
+18.2% YoY-12.7% QoQ
|
+0.2 |
0.7%
-0.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
94.4%
-5.0% YoY-3.6% QoQ
|
+13.8% |
80.6%
+0.7% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 13.7% in tier |
| AMR |
$26,425
+0.9% YoY-1.6% QoQ
|
$-2K |
$28,908
+0.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
23.2%
-5.1% YoY+0.1% QoQ
|
-1.0% | 24.3% | 19.4% | 19.8% | 47% |
| Indirect Auto % |
40.8%
-6.4% YoY-4.9% QoQ
|
+27.0% | 13.8% | 11.4% | 7.7% | Bottom 7.9% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)