BlastPoint's Credit Union Scorecard

IMPACT CREDIT UNION, INC.

Charter #68150 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

IMPACT CREDIT UNION, INC. has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.39% below tier average
- Efficiency ratio 11.93% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	14,160 -1.0% YoY+0.1% QoQ	-985	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	54%
Assets	$207.6M +6.9% YoY+3.4% QoQ	$-24.1M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	53%
Loans	$123.8M +1.7% YoY+2.0% QoQ	$-20.4M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	51%
Deposits	$188.0M +7.2% YoY+3.9% QoQ	$-13.2M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +5.5% YoY-24.7% QoQ	-0.4%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	25%
NIM	3.5% -1.9% YoY-2.6% QoQ	-0.2%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	40%
Efficiency Ratio	90.0% +1.1% YoY+4.5% QoQ	+11.9%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Bottom 14.9% in tier
Delinquency Rate	0.3% +113.7% YoY+16.4% QoQ	-0.4	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	24%
Loan To Share	65.8% -5.1% YoY-1.8% QoQ	-4.6%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	38%
AMR	$22,015 +6.0% YoY+3.0% QoQ	$-3K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	45%
CD Concentration	18.2% +19.9% YoY-4.7% QoQ	-6.1%	24.3%	19.4%	19.8%	50%
Indirect Auto %	19.5% -7.2% YoY+0.8% QoQ	+5.7%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#375 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.01%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (6)

Efficiency Drag

risk

#13 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.95%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#255 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.89%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 19.45%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#371 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#381 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.73%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Membership Headwinds

decline

#499 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#508 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.73%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.33%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

228

Deposit Growth Rate

growth

Value: 7.16%

Peer Median: 3.30%

#228 of 1070 Top 21.2% in 100M-500M tier

263

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.61%

#263 of 1070 Top 24.5% in 100M-500M tier

Top Weaknesses (3 metrics)

960

Net Worth Ratio

risk

Value: 8.71%

Peer Median: 11.45%

#960 of 1070 Bottom 10.4% in 100M-500M tier

912

Efficiency Ratio

profitability

Value: 89.95%

Peer Median: 78.68%

#912 of 1070 Bottom 14.9% in 100M-500M tier

829

Members Per Employee (MPE)

engagement

Value: 257.455

Peer Median: 309.176

#829 of 1070 Bottom 22.6% in 100M-500M tier