BlastPoint's Credit Union Scorecard
CREDIT UNION OF OHIO
Charter #68561 · OH
CREDIT UNION OF OHIO has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 77.1% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.5% in tier
- - Membership Headwinds: Bottom 28.2% in tier
- - Stagnation Risk: Bottom 33.1% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 13.59% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 1.9% in tier
- - Average Member Relationship (AMR): Bottom 2.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,457
-1.1% YoY-0.3% QoQ
|
+6.8K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$202.9M
+2.9% YoY-0.2% QoQ
|
$-28.4M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$90.8M
+8.7% YoY+1.6% QoQ
|
$-57.0M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$184.2M
+3.1% YoY-0.2% QoQ
|
$-16.1M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
54% |
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| ROA |
0.1%
+0.8% YoY+506.7% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.9% in tier |
| NIM |
3.3%
+12.4% YoY+2.4% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
90.9%
-3.3% YoY-1.9% QoQ
|
+13.6% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 9.4% in tier |
| Delinquency Rate |
1.2%
-23.7% YoY+48.0% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
49.3%
+5.5% YoY+1.8% QoQ
|
-23.4% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.2% in tier |
| AMR |
$12,244
+6.0% YoY+0.7% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.6% in tier |
| CD Concentration |
17.1%
+4.9% YoY+2.9% QoQ
|
-7.3% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)