BlastPoint's Credit Union Scorecard
CODE
Charter #66840 · OH
CODE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + First Mortgage Concentration (%): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,095
-0.5% YoY-0.2% QoQ
|
-2.1K |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$176.7M
+2.9% YoY+1.2% QoQ
|
$-55.0M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$100.7M
-1.5% YoY-0.8% QoQ
|
$-43.4M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$155.4M
+2.7% YoY+1.7% QoQ
|
$-45.8M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
1.1%
-33.0% YoY+79.9% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
3.4%
+7.5% YoY-0.6% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
72.3%
+8.2% YoY-3.4% QoQ
|
-5.7% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
0.7%
-31.4% YoY-10.3% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
64.8%
-4.1% YoY-2.5% QoQ
|
-5.6% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$19,555
+1.5% YoY+1.0% QoQ
|
$-5K |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
22.5%
+0.1% YoY-2.1% QoQ
|
-1.8% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
34.5%
+2.0% YoY-4.7% QoQ
|
+20.7% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)