BlastPoint's Credit Union Scorecard

CREDIT UNION OF OHIO

Charter #68561 · OH

100M-500M

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

CREDIT UNION OF OHIO 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

+ Members Per Employee (MPE): Top 5.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.52% below tier average
- Efficiency ratio 13.74% above tier (higher cost structure)
- Delinquency rate 0.20% above tier average
- Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- Average Member Relationship (AMR): Bottom 2.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	22,320 -0.6% YoY+0.1% QoQ	+7.2K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	84%
Assets	$207.6M +1.7% YoY+0.4% QoQ	$-24.1M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	53%
Loans	$90.3M +3.4% YoY-0.7% QoQ	$-53.9M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	31%
Deposits	$188.7M +1.5% YoY+0.4% QoQ	$-12.4M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	56%

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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	0.2% -127.3% YoY+19.1% QoQ	-0.5%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	17%
NIM	3.4% +9.4% YoY+2.4% QoQ	-0.2%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	91.8% -7.9% YoY+1.7% QoQ	+13.7%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Bottom 11.8% in tier
Delinquency Rate	1.0% -10.7% YoY-5.1% QoQ	+0.2	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	75%
Loan To Share	47.8% +1.9% YoY-1.1% QoQ	-22.6%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	Bottom 9.9% in tier
AMR	$12,499 +2.7% YoY-0.0% QoQ	$-12K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	Bottom 2.8% in tier
CD Concentration	17.2% +5.7% YoY+2.3% QoQ	-7.0%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#178 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: 91.76%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.99% points

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

but better than tier avg

Member Growth (YoY): -0.58%

(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

Stagnation Risk

risk

#478 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): -0.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.41%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.97%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

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

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

Membership Headwinds

decline

#557 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): -0.58%

(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

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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 496.000

Peer Median: 309.176

#63 of 1070 Top 5.8% in 100M-500M tier

174

Total Members

engagement

Value: 22,320

Peer Median: 13,200

#174 of 1070 Top 16.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1049

Loan-to-Member Ratio (LMR)

engagement

Value: $4,045

Peer Median: $9,356

#1049 of 1070 Bottom 2.1% in 100M-500M tier

1040

Average Member Relationship (AMR)

engagement

Value: $12,499

Peer Median: $22,931

#1040 of 1070 Bottom 2.9% in 100M-500M tier

964

Loan-to-Share Ratio

balance_sheet

Value: 47.84%

Peer Median: 71.88%

#964 of 1070 Bottom 10.0% in 100M-500M tier

945

Efficiency Ratio

profitability

Value: 91.76%

Peer Median: 78.68%

#945 of 1070 Bottom 11.8% in 100M-500M tier

888

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Median: 0.69%

#888 of 1070 Bottom 17.1% in 100M-500M tier

870

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: 0.35%

#870 of 1070 Bottom 18.8% in 100M-500M tier