CREDIT UNION OF OHIO

Charter #68561 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

CREDIT UNION OF OHIO has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 13.4% in tier
  • + Relationship Depth Leader: Top 27.1% in tier
  • + Emerging Performer: Top 30.0% 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
 Top 18.1% in tier
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
 51st in tier
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
 30th in tier
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
 54th in tier
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
 34th in tier
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
 Top 21.9% in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#371 of 1006 • Top 13.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.03%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#747 of 1006 • Top 27.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.03%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#563 of 627 • Top 30.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.13%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.07%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (3)

Efficiency Drag

risk
#9 of 521 • Bottom 0.5% in tier

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

Why This Signature
Efficiency Ratio: 90.87%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.00% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.07%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#464 of 550 • Bottom 28.2% in tier

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

Why This Signature
Member Growth (YoY): -1.07%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#546 of 550 • Bottom 33.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.13%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.07%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $12.2K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 17.08%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
57
Members Per Employee (MPE)
engagement
Value: 510.386
Peer Avg: 332.881
#57 of 1077 Top 5.2% in 100M-500M tier
195
Total Members
engagement
Value: 22,457
Peer Avg: 15,628
#195 of 1077 Top 18.0% in 100M-500M tier
215
Loan Growth Rate
growth
Value: 8.74%
Peer Avg: 3.45%
#215 of 1077 Top 19.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1057
Loan-to-Member Ratio (LMR)
engagement
Value: $4,042
Peer Avg: $10,245
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1049
Average Member Relationship (AMR)
engagement
Value: $12,244
Peer Avg: $24,363
#1049 of 1077 Bottom 2.7% in 100M-500M tier
977
Efficiency Ratio
profitability
Value: 90.87%
Peer Avg: 77.28%
#977 of 1077 Bottom 9.4% in 100M-500M tier
967
Loan-to-Share Ratio
balance_sheet
Value: 49.29%
Peer Avg: 72.70%
#967 of 1077 Bottom 10.3% in 100M-500M tier
960
Return on Assets (ROA)
profitability
Value: 0.13%
Peer Avg: 0.79%
#960 of 1077 Bottom 11.0% in 100M-500M tier
925
Net Charge-Off Rate
risk
Value: 0.84%
Peer Avg: 0.47%
#925 of 1077 Bottom 14.2% in 100M-500M tier
842
Total Delinquency Rate (60+ days)
risk
Value: 1.22%
Peer Avg: 0.86%
#842 of 1077 Bottom 21.9% in 100M-500M tier