BlastPoint's Credit Union Scorecard
CODE
Charter #66840 · OH
CODE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 2.21% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
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 40 that size in Ohio.
- Shares and deposits +1.4% year over year ($154M in shares and deposits).
- Membership: 13,186 members, +0.1% vs a year ago.
- Delinquency rate 0.98%.
- Return on assets 0.71%.
- Efficiency ratio 78.95% vs a 76.73% peer average.
- Loan-to-share ratio 66.78% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,186
+0.1% YoY+0.7% QoQ
|
-2.0K |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$175.7M
+1.6% YoY-0.6% QoQ
|
$-56.3M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$102.9M
-0.7% YoY+2.1% QoQ
|
$-43.4M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$154.0M
+1.4% YoY-0.9% QoQ
|
$-46.7M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
42% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-33.1% YoY-35.6% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
3.4%
+6.6% YoY+1.9% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
78.9%
+9.9% YoY+9.2% QoQ
|
+2.2% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
1.0%
-41.7% YoY+31.0% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
66.8%
-2.1% YoY+3.0% QoQ
|
-4.8% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$19,483
+0.5% YoY-0.4% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
22.9%
+4.2% YoY+2.1% QoQ
|
-1.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
34.3%
-2.2% YoY-0.6% QoQ
|
+20.6% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
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)