BlastPoint's Credit Union Scorecard

EDUCATIONAL COMMUNITY ALLIANCE

Charter #68181 · OH

<100M

2508 CUs in <100M nationally 116 in OH

EDUCATIONAL COMMUNITY ALLIANCE has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.60% above tier average
+ Loan Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	5,286 +1.2% YoY-0.6% QoQ	+2.6K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 11.7% in tier
Assets	$68.9M +6.1% YoY+0.8% QoQ	+$38.7M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Top 12.8% in tier
Loans	$38.6M +10.7% YoY+1.6% QoQ	+$23.3M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Top 10.8% in tier
Deposits	$60.7M +5.8% YoY-0.0% QoQ	+$34.9M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Top 12.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +256.1% YoY+0.9% QoQ	+0.6%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	58%
NIM	3.6% +8.2% YoY+1.4% QoQ	-0.4%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	79.5% -7.1% YoY+3.3% QoQ	-11.1%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	0.2% -16.5% YoY-58.3% QoQ	-1.3	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	28%
Loan To Share	63.6% +4.6% YoY+1.6% QoQ	+5.0%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	57%
AMR	$18,770 +6.4% YoY+1.2% QoQ	+$4K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	73%
CD Concentration	11.4% +4.0% YoY+0.2% QoQ	-12.8%	24.3%	19.4%	19.8%	50%
Indirect Auto %	41.7% +6.3% YoY+1.4% QoQ	+27.9%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (12 metrics)

232

Loan Growth Rate

growth

Value: 10.73%

Peer Median: -2.36%

#232 of 2508 Top 9.2% in <100M tier

270

Total Loans

balance_sheet

Value: $38.55M

Peer Median: $9.48M

#270 of 2508 Top 10.7% in <100M tier

293

Total Members

engagement

Value: 5,286

Peer Median: 1,918

#293 of 2508 Top 11.6% in <100M tier

300

Total Deposits

balance_sheet

Value: $60.66M

Peer Median: $18.77M

#300 of 2508 Top 11.9% in <100M tier

320

Total Assets

balance_sheet

Value: $68.92M

Peer Median: $21.86M

#320 of 2508 Top 12.7% in <100M tier

340

Fee Income Per Member

profitability

Value: $142.19

Peer Median: $60.42

#340 of 2508 Top 13.5% in <100M tier

471

Asset Growth Rate

growth

Value: 6.11%

Peer Median: 1.30%

#471 of 2508 Top 18.7% in <100M tier

484

AMR Growth Rate

growth

Value: 6.37%

Peer Median: 1.27%

#484 of 2508 Top 19.3% in <100M tier

499

Deposit Growth Rate

growth

Value: 5.82%

Peer Median: 0.66%

#499 of 2508 Top 19.9% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (1 metrics)

2452

Indirect Auto Concentration (%)

balance_sheet

Value: 41.66%

Peer Median: 0.00%

#2452 of 2508 Bottom 2.3% in <100M tier