BlastPoint's Credit Union Scorecard

ASSOCIATED SCHOOL EMPLOYEES

Charter #68587 · OH

1069 CUs in 100M-500M nationally 58 in OH

ASSOCIATED SCHOOL EMPLOYEES has 9 strengths but faces 3 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

+ Wallet Share Momentum: Top 17.2% in tier
+ Organic Growth Engine: Top 23.7% in tier
+ Emerging Performer: Top 23.8% in tier
+ ROA 0.32% above tier average
+ Strong member growth: 7.3% YoY
+ Loan Growth Rate: Top 1.2% in tier
+ Member Growth Rate: Top 5.1% in tier
+ Loan-to-Share Ratio: Top 6.2% in tier
+ AMR Growth Rate: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 4.4% in tier
- Liquidity Strain: Bottom 17.6% in tier
- Indirect Auto Concentration (%): Bottom 0.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	15,278 +7.3% YoY+0.0% QoQ	-159	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	59%
Assets	$211.9M +10.2% YoY+1.6% QoQ	$-19.9M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	54%
Loans	$181.7M +32.4% YoY+1.3% QoQ	+$34.3M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	70%
Deposits	$189.8M +10.4% YoY+1.5% QoQ	$-11.0M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% 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	1.1% +28.1% YoY+11.0% QoQ	+0.3%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	73%
NIM	3.2% +14.8% YoY+1.9% QoQ	-0.4%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	26%
Efficiency Ratio	67.0% -8.5% YoY-3.1% QoQ	-10.0%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	18%
Delinquency Rate	0.2% -27.9% YoY+18.0% QoQ	-0.7	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	Bottom 11.7% in tier
Loan To Share	95.7% +20.0% YoY-0.2% QoQ	+23.5%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	Top 6.3% in tier
AMR	$24,315 +12.0% YoY+1.4% QoQ	$-361	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	60%
CD Concentration	30.2% +15.2% YoY+1.1% QoQ	+5.8%	24.4%	19.4%	19.8%	50%
Indirect Auto %	76.0% +19.2% YoY+0.8% QoQ	+62.2%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#89 of 513 • Top 17.2% in tier

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

Why This Signature

AMR Growth (YoY): 11.99%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Organic Growth Engine

growth

#142 of 595 • Top 23.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.31%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.08%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 76.01%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#44 of 182 • Top 23.8% 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: 1.08%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 7.31%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#23 of 506 • Bottom 4.4% in tier

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

Why This Signature

Asset Growth (YoY): 10.18%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 76.01%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 7.31%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY

Liquidity Strain

risk

#41 of 228 • Bottom 17.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.69%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 32.43%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 1069 peers in tier

Top Strengths (10 metrics)

Loan Growth Rate

growth

Value: 32.43%

Peer Median: -

#14 of 1069 Top 1.2% in 100M-500M tier

Member Growth Rate

growth

Value: 7.31%

Peer Median: -

#55 of 1069 Top 5.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.69%

Peer Median: -

#67 of 1069 Top 6.2% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.99%

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

118

Deposit Growth Rate

growth

Value: 10.40%

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

121

Members Per Employee (MPE)

engagement

Value: 449.353

Peer Median: -

#121 of 1069 Top 11.2% in 100M-500M tier

126

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: -

#126 of 1069 Top 11.7% in 100M-500M tier

134

Asset Growth Rate

growth

Value: 10.18%

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

194

Efficiency Ratio

profitability

Value: 66.99%

Peer Median: -

#194 of 1069 Top 18.1% in 100M-500M tier

204

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: -

#204 of 1069 Top 19.0% in 100M-500M tier

Top Weaknesses (2 metrics)

1064

Indirect Auto Concentration (%)

balance_sheet

Value: 76.01%

Peer Median: -

#1064 of 1069 Bottom 0.6% in 100M-500M tier

910

Fee Income Per Member

profitability

Value: $101.64

Peer Median: -

#910 of 1069 Bottom 15.0% in 100M-500M tier