BlastPoint's Credit Union Scorecard
ASSOCIATED SCHOOL EMPLOYEES
Charter #68587 · OH
ASSOCIATED SCHOOL EMPLOYEES has 12 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 8.5% in tier
- + Organic Growth Engine: Top 9.9% in tier
- + Emerging Performer: Top 27.9% in tier
- + Credit Quality Leader: Top 41.3% in tier
- + ROA 0.18% above tier average
- + Strong member growth: 8.9% YoY
- + Loan Growth Rate: Top 0.9% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Member Growth Rate: Top 4.2% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Asset Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.9% in tier
- - Liquidity Strain: Bottom 5.9% in tier
- - Indirect Auto Concentration (%): Bottom 0.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,275
+8.9% YoY+1.3% QoQ
|
-353 |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$208.5M
+11.5% YoY+1.8% QoQ
|
$-22.8M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$179.3M
+44.1% YoY+3.6% QoQ
|
+$31.5M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$187.0M
+12.2% YoY+1.8% QoQ
|
$-13.3M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
1.0%
+33.8% YoY-5.5% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
3.1%
+15.7% YoY+0.7% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
69.2%
-9.2% YoY-2.9% QoQ
|
-8.1% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.2%
-39.4% YoY-29.0% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.3% in tier |
| Loan To Share |
95.9%
+28.4% YoY+1.7% QoQ
|
+23.2% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 6.8% in tier |
| AMR |
$23,980
+15.5% YoY+1.4% QoQ
|
$-383 |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
29.8%
+17.9% YoY+6.6% QoQ
|
+5.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
75.4%
+26.3% YoY+3.5% QoQ
|
+61.5% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)