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 3.23% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 12.67% above tier (higher cost structure)
- - Delinquency rate 1.72% above tier average
- - Member decline: -5.9% YoY
- - Net Charge-Off Rate: Bottom 2.8% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
- - Asset Growth Rate: Bottom 8.5% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -5.8% year over year ($7.1M in shares and deposits).
- Membership: 2,752 members, -5.9% vs a year ago.
- Delinquency rate 3.27%.
- Return on assets 0.04%.
- Efficiency ratio 101.43% vs a 88.77% peer average.
- Loan-to-share ratio 80.84% vs a 58.89% 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 |
2,752
-5.9% YoY-7.2% QoQ
|
+166 |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$8.9M
-7.5% YoY-2.9% QoQ
|
$-21.4M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$5.7M
-1.3% YoY+2.2% QoQ
|
$-9.7M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$7.1M
-5.8% YoY-2.8% QoQ
|
$-18.7M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.0%
-65.0% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.0% in tier |
| NIM |
7.1%
-5.6% YoY+6.6% QoQ
|
+3.2% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
101.4%
-7.0% YoY-1.9% QoQ
|
+12.7% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
3.3%
+42.4% YoY-20.7% QoQ
|
+1.7 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.7% in tier |
| Loan To Share |
80.8%
+4.7% YoY+5.1% QoQ
|
+22.0% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$4,662
+2.2% YoY+7.1% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.8% in tier |
| CD Concentration |
12.1%
+99.9% YoY+5.7% QoQ
|
-12.4% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 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)