CARDINAL CREDIT UNION, INC.

Charter #68707 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

CARDINAL CREDIT UNION, INC. has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.2% in tier
  • + Relationship Depth Leader: Top 7.1% in tier
  • + AMR Growth Rate: Top 6.8% in tier
  • + Deposit Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.3% in tier
  • - Growth-at-Risk: Bottom 5.6% in tier
  • - Credit Quality Pressure: Bottom 11.7% in tier
  • - Membership Headwinds: Bottom 31.2% in tier
  • - Stagnation Risk: Bottom 32.5% in tier
  • - ROA 0.67% below tier average
  • - Efficiency ratio 15.46% above tier (higher cost structure)
  • - Delinquency rate 0.19% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 23,304
-0.7% YoY-2.1% QoQ
 +7.7K 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Top 16.1% in tier
Assets $335.8M
+9.5% YoY+0.3% QoQ
 +$104.5M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Top 21.0% in tier
Loans $249.3M
+9.8% YoY-1.0% QoQ
 +$101.5M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Top 14.4% in tier
Deposits $295.6M
+11.2% YoY-0.2% QoQ
 +$95.3M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Top 19.3% in tier
ROA 0.1%
+27.2% YoY+5.4% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 10.5% in tier
NIM 3.4%
+0.6% YoY+0.4% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 92.7%
-3.1% YoY+0.4% QoQ
 +15.5% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Top 7.0% in tier
Delinquency Rate 1.0%
+33.6% YoY+42.1% QoQ
 +0.2 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 72nd in tier
Loan To Share 84.3%
-1.3% YoY-0.8% QoQ
 +11.6% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 73rd in tier
AMR $23,385
+11.3% YoY+1.5% QoQ
 $-978 $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 56th in tier
CD Concentration 34.7%
+23.7% YoY+3.6% QoQ
 +10.3% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 14.2%
+6.9% YoY-1.5% QoQ
 +0.2% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#90 of 1006 • Top 3.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 11.34%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#196 of 1006 • Top 7.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 11.34%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (5)

Efficiency Drag

risk
#6 of 521 • Bottom 0.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 92.74%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.03% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.71%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Growth-at-Risk

risk
#85 of 446 • Bottom 5.6% in tier

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

Why This Signature
Loan Growth (YoY): 9.78%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.26% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#290 of 736 • Bottom 11.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.26% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Membership Headwinds

decline
#515 of 550 • Bottom 31.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.71%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#536 of 550 • Bottom 32.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.12%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.71%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 34.71%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

74
AMR Growth Rate
growth
Value: 11.34%
Peer Avg: 3.64%
#74 of 1077 Top 6.8% in 100M-500M tier
96
Deposit Growth Rate
growth
Value: 11.20%
Peer Avg: 4.69%
#96 of 1077 Top 8.8% in 100M-500M tier
144
Asset Growth Rate
growth
Value: 9.46%
Peer Avg: 4.70%
#144 of 1077 Top 13.3% in 100M-500M tier
155
Total Loans
balance_sheet
Value: $249.33M
Peer Avg: $147.80M
#155 of 1077 Top 14.3% in 100M-500M tier
172
Loan Growth Rate
growth
Value: 9.78%
Peer Avg: 3.45%
#172 of 1077 Top 15.9% in 100M-500M tier
173
Total Members
engagement
Value: 23,304
Peer Avg: 15,628
#173 of 1077 Top 16.0% in 100M-500M tier
208
Total Deposits
balance_sheet
Value: $295.64M
Peer Avg: $200.29M
#208 of 1077 Top 19.2% in 100M-500M tier
226
Total Assets
balance_sheet
Value: $335.81M
Peer Avg: $231.30M
#226 of 1077 Top 20.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1003
Efficiency Ratio
profitability
Value: 92.74%
Peer Avg: 77.28%
#1003 of 1077 Bottom 7.0% in 100M-500M tier
964
Return on Assets (ROA)
profitability
Value: 0.12%
Peer Avg: 0.79%
#964 of 1077 Bottom 10.6% in 100M-500M tier
909
Share Certificate Concentration (%)
balance_sheet
Value: 34.71%
Peer Avg: 23.61%
#909 of 1077 Bottom 15.7% in 100M-500M tier