BlastPoint's Credit Union Scorecard
DAY AIR
Charter #66835 · OH
DAY AIR has 3 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Efficiency Ratio: Top 6.3% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.6% in tier
- - Credit Quality Pressure: Bottom 26.4% in tier
- - Indirect Auto Dependency: Bottom 47.6% in tier
- - Delinquency rate 0.16% above tier average
- - Indirect Auto Concentration (%): Bottom 6.3% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Ohio.
- Shares and deposits +4.3% year over year ($748M in shares and deposits).
- Membership: 54,544 members, +1.8% vs a year ago.
- Delinquency rate 0.96%.
- Return on assets 1.73%.
- Efficiency ratio 53.30% vs a 74.54% peer average.
- Loan-to-share ratio 94.51% vs a 82.60% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,544
+1.8% YoY+1.0% QoQ
|
+2.1K |
52,482
+1.3% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$908.8M
+4.5% YoY+1.8% QoQ
|
+$44.8M |
$863.9M
+0.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$706.9M
-0.8% YoY+2.0% QoQ
|
+$99.1M |
$607.8M
+2.1% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$747.9M
+4.3% YoY+1.9% QoQ
|
+$8.0M |
$739.9M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
1.7%
+6.4% YoY-21.6% QoQ
|
+0.9% |
0.8%
+30.4% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Top 5.4% in tier |
| NIM |
3.4%
+2.4% YoY+1.1% QoQ
|
-0.1% |
3.5%
+6.2% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
53.3%
-3.5% YoY+5.3% QoQ
|
-21.2% |
74.5%
-1.4% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Top 6.3% in tier |
| Delinquency Rate |
1.0%
+25.5% YoY+11.1% QoQ
|
+0.2 |
0.8%
+1.0% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
94.5%
-4.8% YoY+0.1% QoQ
|
+11.9% |
82.6%
+1.9% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$26,673
-0.0% YoY+0.9% QoQ
|
$-2K |
$28,702
+0.4% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
22.8%
-4.1% YoY-1.8% QoQ
|
-1.7% | 24.6% | 19.2% | 20.0% | 44% |
| Indirect Auto % |
41.5%
-3.1% YoY+1.7% QoQ
|
+27.9% | 13.6% | 11.9% | 7.7% | Bottom 7.4% 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)