BlastPoint's Credit Union Scorecard
GREATER CLEVELAND COMMUNITY
Charter #66860 · OH
GREATER CLEVELAND COMMUNITY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.68% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 12.82% above tier (higher cost structure)
- - Delinquency rate 2.62% above tier average
- - Member decline: -2.2% YoY
- - Net Charge-Off Rate: Bottom 6.1% in tier
- - Average Member Relationship (AMR): Bottom 7.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,965
-2.2% YoY+0.6% QoQ
|
+288 |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
67% |
| Assets |
$9.1M
-3.0% YoY-2.4% QoQ
|
$-21.1M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$5.6M
-8.4% YoY+0.2% QoQ
|
$-9.7M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$7.3M
-2.2% YoY-2.3% QoQ
|
$-18.5M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
0.0%
-79.7% YoY
|
-0.1% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
6.7%
-10.9% YoY-8.8% QoQ
|
+2.7% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 1.7% in tier |
| Efficiency Ratio |
103.5%
-6.5% YoY-1.9% QoQ
|
+12.8% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
4.1%
+0.4% YoY-0.8% QoQ
|
+2.6 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.5% in tier |
| Loan To Share |
76.9%
-6.3% YoY+2.6% QoQ
|
+18.4% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$4,353
-2.9% YoY-1.8% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.1% in tier |
| CD Concentration |
11.5%
+89.4% YoY+3.1% QoQ
|
-12.8% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)