BlastPoint's Credit Union Scorecard

ASSOCIATED SCHOOL EMPLOYEES

Charter #68587 · OH

100M-500M

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

ASSOCIATED SCHOOL EMPLOYEES has 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.40% above tier average
+ Strong member growth: 5.1% YoY
+ Loan Growth Rate: Top 2.8% in tier
+ Loan-to-Share Ratio: Top 3.4% in tier
+ Deposit Growth Rate: Top 9.0% in tier
+ Asset Growth Rate: Top 9.3% 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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	15,478 +5.1% YoY+1.3% QoQ	+332	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	61%
Assets	$220.2M +10.2% YoY+3.9% QoQ	$-11.5M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	57%
Loans	$189.8M +21.7% YoY+4.5% QoQ	+$45.6M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	73%
Deposits	$197.3M +10.0% YoY+3.9% QoQ	$-3.8M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	58%

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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% +8.3% YoY+4.0% QoQ	+0.4%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	76%
NIM	3.2% +7.0% YoY+0.7% QoQ	-0.4%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	66.9% -5.9% YoY-0.2% QoQ	-11.2%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	19%
Delinquency Rate	0.4% +27.0% YoY+61.9% QoQ	-0.4	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	30%
Loan To Share	96.2% +10.7% YoY+0.5% QoQ	+25.8%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	Top 3.5% in tier
AMR	$25,010 +9.9% YoY+2.9% QoQ	+$91	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	62%
CD Concentration	31.9% +18.8% YoY+5.8% QoQ	+7.7%	24.3%	19.4%	19.8%	50%
Indirect Auto %	77.4% +11.8% YoY+1.9% QoQ	+63.6%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#129 of 491 • 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): 9.85%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Emerging Performer

growth

#43 of 157 • 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: 1.12%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.11%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#18 of 504 • 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): 10.17%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 77.43%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.11%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY

Liquidity Strain

risk

#19 of 183 • 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: 96.17%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 21.75%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Credit Risk Growth

risk

#134 of 476 • 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): 21.75%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#524 of 727 • 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): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (11 metrics)

Loan Growth Rate

growth

Value: 21.75%

Peer Median: 2.93%

#31 of 1070 Top 2.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.17%

Peer Median: 71.88%

#37 of 1070 Top 3.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.00%

Peer Median: 3.30%

#97 of 1070 Top 9.0% in 100M-500M tier

100

Asset Growth Rate

growth

Value: 10.17%

Peer Median: 3.91%

#100 of 1070 Top 9.3% in 100M-500M tier

105

AMR Growth Rate

growth

Value: 9.85%

Peer Median: 3.46%

#105 of 1070 Top 9.7% in 100M-500M tier

109

Member Growth Rate

growth

Value: 5.11%

Peer Median: -0.06%

#109 of 1070 Top 10.1% in 100M-500M tier

128

Members Per Employee (MPE)

engagement

Value: 442.229

Peer Median: 309.176

#128 of 1070 Top 11.9% in 100M-500M tier

204

Efficiency Ratio

profitability

Value: 66.85%

Peer Median: 78.68%

#204 of 1070 Top 19.0% in 100M-500M tier

241

Loan-to-Member Ratio (LMR)

engagement

Value: $12,261

Peer Median: $9,356

#241 of 1070 Top 22.4% in 100M-500M tier

242

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.35%

#242 of 1070 Top 22.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1066

Indirect Auto Concentration (%)

balance_sheet

Value: 77.43%

Peer Median: 6.61%

#1066 of 1070 Bottom 0.5% in 100M-500M tier

870

Fee Income Per Member

profitability

Value: $100.30

Peer Median: $154.95

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

831

Share Certificate Concentration (%)

balance_sheet

Value: 31.93%

Peer Median: 23.10%

#831 of 1070 Bottom 22.4% in 100M-500M tier