BlastPoint's Credit Union Scorecard

CARDINAL CREDIT UNION, INC.

Charter #68707 · OH

100M-500M

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

CARDINAL CREDIT UNION, INC. has 3 strengths but faces 7 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
+ Deposit Growth Rate: Top 9.5% in tier
+ Total Loans: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.54% below tier average
- Efficiency ratio 12.14% above tier (higher cost structure)
- Delinquency rate 0.22% above tier average

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 +9.9% year over year ($326M in shares and deposits).
Membership: 24,257 members, +1.9% vs a year ago.
Delinquency rate 1.11%.
Return on assets 0.32%.
Efficiency ratio 88.88% vs a 76.73% peer average.
Loan-to-share ratio 84.44% 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	24,257 +1.9% YoY+2.0% QoQ	+9.1K	15,168 -2.6% YoY	18,978 +16.2% YoY	34,678 +6.6% YoY	Top 13.0% in tier
Assets	$365.7M +9.2% YoY+3.2% QoQ	+$133.7M	$232.0M +0.7% YoY	$292.1M +20.6% YoY	$593.1M +10.2% YoY	84%
Loans	$274.9M +9.1% YoY+4.7% QoQ	+$128.6M	$146.3M +0.2% YoY	$203.0M +21.8% YoY	$418.6M +10.1% YoY	Top 9.9% in tier
Deposits	$325.6M +9.9% YoY+3.7% QoQ	+$124.8M	$200.7M +0.2% YoY	$251.0M +21.0% YoY	$504.8M +10.3% YoY	Top 14.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.3% +191.3% YoY+179.8% QoQ	-0.5%	0.9% +12.5% YoY	0.9% +55.0% YoY	1.2% +121.4% YoY	17%
NIM	3.4% +0.9% YoY+0.0% QoQ	-0.3%	3.7% +4.5% YoY	3.7% +2.2% YoY	3.8% +2.3% YoY	34%
Efficiency Ratio	88.9% -3.7% YoY-5.6% QoQ	+12.1%	76.7% -0.8% YoY	79.2% -2.1% YoY	83.0% -5.3% YoY	Bottom 14.2% in tier
Delinquency Rate	1.1% +49.8% YoY+41.4% QoQ	+0.2	0.9% +6.6% YoY	1.1% -6.2% YoY	1.3% +2.6% YoY	73%
Loan To Share	84.4% -0.7% YoY+1.0% QoQ	+12.9%	71.5% -0.3% YoY	60.7% -4.2% YoY	66.4% -1.4% YoY	74%
AMR	$24,754 +7.5% YoY+2.1% QoQ	$-352	$25,107 +3.2% YoY	$18,171 +7.2% YoY	$20,028 -0.9% YoY	59%
CD Concentration	36.1% +7.7% YoY+0.5% QoQ	+11.5%	24.6%	19.2%	20.0%	50%
Indirect Auto %	17.6% +22.0% YoY+13.9% QoQ	+4.0%	13.6%	11.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#244 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): 7.49%

(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)

Credit Risk Growth

risk

#65 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): 9.13%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.37% points

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

worse than tier avg

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

↑ Growing +32 CUs YoY | Rank improving

Efficiency Drag

risk

#134 of 531 • 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: 88.88%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.21% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 1.90%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#199 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): 0.37% points

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

worse than tier avg

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

↓ Shrinking -83 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#277 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): 9.22%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 17.59%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.90%

(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 | 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 (8 metrics)

Deposit Growth Rate

growth

Value: 9.88%

Peer Median: 3.58%

#98 of 1024 Top 9.5% in 100M-500M tier

101

Total Loans

balance_sheet

Value: $274.91M

Peer Median: $124.04M

#101 of 1024 Top 9.8% in 100M-500M tier

133

Total Members

engagement

Value: 24,257

Peer Median: 13,128

#133 of 1024 Top 12.9% in 100M-500M tier

135

Asset Growth Rate

growth

Value: 9.22%

Peer Median: 4.12%

#135 of 1024 Top 13.1% in 100M-500M tier

146

Total Deposits

balance_sheet

Value: $325.56M

Peer Median: $170.77M

#146 of 1024 Top 14.2% in 100M-500M tier

163

Total Assets

balance_sheet

Value: $365.68M

Peer Median: $196.38M

#163 of 1024 Top 15.8% in 100M-500M tier

192

AMR Growth Rate

growth

Value: 7.49%

Peer Median: 3.53%

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

197

Loan Growth Rate

growth

Value: 9.13%

Peer Median: 3.02%

#197 of 1024 Top 19.1% in 100M-500M tier

Top Weaknesses (3 metrics)

892

Share Certificate Concentration (%)

balance_sheet

Value: 36.08%

Peer Median: 23.39%

#892 of 1024 Bottom 13.0% in 100M-500M tier

880

Efficiency Ratio

profitability

Value: 88.88%

Peer Median: 77.26%

#880 of 1024 Bottom 14.2% in 100M-500M tier

853

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: 0.75%

#853 of 1024 Bottom 16.8% in 100M-500M tier