BlastPoint's Credit Union Scorecard
EATON FAMILY
Charter #68354 · OH
EATON FAMILY has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 0.8% in tier
- + Total Loans: Top 3.4% in tier
- + Total Deposits: Top 7.1% in tier
- + Total Assets: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Delinquency rate 0.71% above tier average
- - Member decline: -5.3% YoY
- - First Mortgage Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,931
-5.3% YoY-0.9% QoQ
|
+8.3K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 0.9% in tier |
| Assets |
$77.0M
+1.9% YoY-0.4% QoQ
|
+$46.9M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 9.0% in tier |
| Loans |
$55.2M
-1.0% YoY+0.2% QoQ
|
+$39.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 3.4% in tier |
| Deposits |
$69.4M
+2.9% YoY-1.0% QoQ
|
+$43.7M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 7.2% in tier |
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| ROA |
0.1%
-1.0% YoY-13.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.8%
+7.6% YoY-0.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
77.4%
+1.3% YoY+2.0% QoQ
|
-5.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
2.3%
+51.9% YoY-8.1% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
79.5%
-3.8% YoY+1.2% QoQ
|
+18.9% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$11,404
+6.8% YoY+0.4% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
27.3%
+5.9% YoY+1.0% QoQ
|
+2.9% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
3.6%
-21.0% YoY-5.8% QoQ
|
-10.2% | 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)