BlastPoint's Credit Union Scorecard
DAY AIR
Charter #66835 · OH
DAY AIR has 4 strengths but faces 6 concerns
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 37.2% in tier
- + ROA 0.86% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.1% in tier
- - Liquidity Strain: Bottom 25.5% in tier
- - Credit Risk Growth: Bottom 74.1% in tier
- - Credit Quality Pressure: Bottom 80.8% in tier
- - Delinquency rate 0.11% above tier average
- - Indirect Auto Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,885
+2.3% YoY+0.1% QoQ
|
+1.8K |
52,084
-1.6% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$890.6M
+8.7% YoY+2.0% QoQ
|
+$26.7M |
$863.9M
+0.5% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$716.2M
+6.5% YoY-0.2% QoQ
|
+$110.4M |
$605.8M
+1.4% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$731.3M
+7.6% YoY+2.2% QoQ
|
$-6.0M |
$737.3M
+0.1% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
1.6%
+17.9% YoY+3.0% QoQ
|
+0.9% |
0.7%
+39.1% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 5.1% in tier |
| NIM |
3.5%
+14.3% YoY+2.0% QoQ
|
+0.1% |
3.4%
+8.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
56.0%
-5.2% YoY-0.7% QoQ
|
-18.3% |
74.3%
-3.6% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
1.0%
+7.6% YoY+27.6% QoQ
|
+0.1 |
0.9%
+3.8% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
97.9%
-0.9% YoY-2.4% QoQ
|
+15.4% |
82.6%
+1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 12.0% in tier |
| AMR |
$26,862
+4.6% YoY+0.9% QoQ
|
$-2K |
$28,873
+2.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
23.2%
-8.4% YoY-2.7% QoQ
|
-1.2% | 24.4% | 19.4% | 19.8% | 46% |
| Indirect Auto % |
42.9%
-1.3% YoY-1.0% QoQ
|
+29.2% | 13.8% | 11.2% | 7.8% | Top 6.6% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)