BlastPoint's Credit Union Scorecard

ASSOCIATED SCHOOL EMPLOYEES

Charter #68587 · OH

100M-500M

1024 CUs in 100M-500M nationally 40 in OH

ASSOCIATED SCHOOL EMPLOYEES has 4 strengths but faces 5 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

+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.28% above tier average
+ Loan-to-Share Ratio: Top 2.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 0.5% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
Shares and deposits +8.1% year over year ($199M in shares and deposits).
Membership: 15,653 members, +3.8% vs a year ago.
Delinquency rate 0.30%.
Return on assets 1.15%.
Efficiency ratio 68.11% vs a 76.73% peer average.
Loan-to-share ratio 98.50% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	15,653 +3.8% YoY+1.1% QoQ	+484	15,168 -2.6% YoY	18,978 +16.2% YoY	34,678 +6.6% YoY	61%
Assets	$222.1M +8.4% YoY+0.9% QoQ	$-9.9M	$232.0M +0.7% YoY	$292.1M +20.6% YoY	$593.1M +10.2% YoY	56%
Loans	$195.6M +13.0% YoY+3.1% QoQ	+$49.4M	$146.3M +0.2% YoY	$203.0M +21.8% YoY	$418.6M +10.1% YoY	74%
Deposits	$198.6M +8.1% YoY+0.7% QoQ	$-2.1M	$200.7M +0.2% YoY	$251.0M +21.0% YoY	$504.8M +10.3% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% +11.5% YoY+2.2% QoQ	+0.3%	0.9% +12.5% YoY	0.9% +55.0% YoY	1.2% +121.4% YoY	73%
NIM	3.3% +4.5% YoY+1.1% QoQ	-0.4%	3.7% +4.5% YoY	3.7% +2.2% YoY	3.8% +2.3% YoY	24%
Efficiency Ratio	68.1% -4.4% YoY+1.9% QoQ	-8.6%	76.7% -0.8% YoY	79.2% -2.1% YoY	83.0% -5.3% YoY	22%
Delinquency Rate	0.3% +3.6% YoY-23.6% QoQ	-0.6	0.9% +6.6% YoY	1.1% -6.2% YoY	1.3% +2.6% YoY	19%
Loan To Share	98.5% +4.5% YoY+2.4% QoQ	+27.0%	71.5% -0.3% YoY	60.7% -4.2% YoY	66.4% -1.4% YoY	Top 3.0% in tier
AMR	$25,187 +6.5% YoY+0.7% QoQ	+$80	$25,107 +3.2% YoY	$18,171 +7.2% YoY	$20,028 -0.9% YoY	62%
CD Concentration	32.4% +15.7% YoY+1.5% QoQ	+7.9%	24.6%	19.2%	20.0%	50%
Indirect Auto %	78.5% +7.8% YoY+1.4% QoQ	+64.9%	13.6%	11.9%	7.7%	50%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#58 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.15%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 3.79%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#342 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.45%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk

#19 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.43%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 78.52%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 3.79%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Liquidity Strain

risk

#22 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.50%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 12.99%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Credit Risk Growth

risk

#283 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.99%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#661 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | 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 1024 peers in tier

Top Strengths (10 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.50%

Peer Median: 73.07%

#31 of 1024 Top 2.9% in 100M-500M tier

105

Loan Growth Rate

growth

Value: 12.99%

Peer Median: 3.02%

#105 of 1024 Top 10.2% in 100M-500M tier

142

Member Growth Rate

growth

Value: 3.79%

Peer Median: -0.03%

#142 of 1024 Top 13.8% in 100M-500M tier

154

Deposit Growth Rate

growth

Value: 8.12%

Peer Median: 3.58%

#154 of 1024 Top 14.9% in 100M-500M tier

155

Members Per Employee (MPE)

engagement

Value: 423.054

Peer Median: 310.924

#155 of 1024 Top 15.0% in 100M-500M tier

161

Asset Growth Rate

growth

Value: 8.43%

Peer Median: 4.12%

#161 of 1024 Top 15.6% in 100M-500M tier

192

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: 0.71%

#192 of 1024 Top 18.7% in 100M-500M tier

223

Efficiency Ratio

profitability

Value: 68.11%

Peer Median: 77.26%

#223 of 1024 Top 21.7% in 100M-500M tier

228

Loan-to-Member Ratio (LMR)

engagement

Value: $12,498

Peer Median: $9,434

#228 of 1024 Top 22.2% in 100M-500M tier

252

First Mortgage Concentration (%)

balance_sheet

Value: 17.39%

Peer Median: 29.92%

#252 of 1024 Top 24.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1020

Indirect Auto Concentration (%)

balance_sheet

Value: 78.52%

Peer Median: 6.15%

#1020 of 1024 Bottom 0.5% in 100M-500M tier

875

Fee Income Per Member

profitability

Value: $97.87

Peer Median: $159.88

#875 of 1024 Bottom 14.6% in 100M-500M tier

798

Share Certificate Concentration (%)

balance_sheet

Value: 32.41%

Peer Median: 23.39%

#798 of 1024 Bottom 22.2% in 100M-500M tier

773

Net Interest Margin (NIM)

profitability

Value: 3.25%

Peer Median: 3.67%

#773 of 1024 Bottom 24.6% in 100M-500M tier