BlastPoint's Credit Union Scorecard
GREATER CLEVELAND COMMUNITY
Charter #66860 · OH
GREATER CLEVELAND COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 22.92% above tier (higher cost structure)
- - Delinquency rate 2.60% above tier average
- - Member decline: -4.7% YoY
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
- - Loan Growth Rate: Bottom 8.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,948
-4.7% YoY+0.3% QoQ
|
+332 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$9.4M
-3.9% YoY-5.2% QoQ
|
$-20.8M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$5.6M
-17.2% YoY-1.2% QoQ
|
$-10.2M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$7.5M
+2.7% YoY-4.5% QoQ
|
$-18.2M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.0%
-88.5% YoY-80.3% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
7.3%
-9.2% YoY+0.3% QoQ
|
+3.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
105.5%
+22.8% YoY-0.6% QoQ
|
+22.9% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 8.0% in tier |
| Delinquency Rate |
4.2%
-37.7% YoY+5.6% QoQ
|
+2.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 8.1% in tier |
| Loan To Share |
75.0%
-19.4% YoY+3.4% QoQ
|
+14.3% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$4,433
-2.3% YoY-3.4% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.2% in tier |
| CD Concentration |
11.1%
+68.9% YoY+5.2% QoQ
|
-13.3% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)