BlastPoint's Credit Union Scorecard

CARDINAL CREDIT UNION, INC.

Charter #68707 · OH

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

CARDINAL CREDIT UNION, INC. has 3 strengths but faces 8 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 35.3% in tier
+ Asset Growth Rate: Top 3.8% in tier
+ Deposit Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.3% in tier
- Indirect Auto Dependency: Bottom 38.4% in tier
- Credit Quality Pressure: Bottom 47.3% in tier
- Credit Risk Growth: Bottom 72.1% in tier
- Stagnation Risk: Bottom 79.4% in tier
- Membership Headwinds: Bottom 79.8% in tier
- ROA 0.66% below tier average
- Efficiency ratio 15.52% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	23,316 -1.3% YoY+0.1% QoQ	+7.9K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	84%
Assets	$358.5M +14.4% YoY+6.7% QoQ	+$126.6M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	83%
Loans	$258.7M +2.9% YoY+3.8% QoQ	+$111.4M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	Top 12.4% in tier
Deposits	$307.3M +12.0% YoY+3.9% QoQ	+$106.5M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	83%

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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	0.1% +1146.1% YoY-12.0% QoQ	-0.7%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	Bottom 9.2% in tier
NIM	3.3% -1.0% YoY-2.2% QoQ	-0.3%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	34%
Efficiency Ratio	92.5% -3.4% YoY-0.2% QoQ	+15.5%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	Top 6.0% in tier
Delinquency Rate	0.9% +34.7% YoY-18.2% QoQ	-0.0	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	60%
Loan To Share	84.2% -8.1% YoY-0.2% QoQ	+12.0%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	73%
AMR	$24,276 +9.0% YoY+3.8% QoQ	$-400	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	59%
CD Concentration	35.5% +17.3% YoY+2.2% QoQ	+11.0%	24.4%	19.4%	19.8%	50%
Indirect Auto %	16.7% +8.8% YoY+17.3% QoQ	+2.9%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#182 of 513 • Top 35.3% in tier

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

Why This Signature

AMR Growth (YoY): 9.03%

(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 worsening

Concerns (6)

Efficiency Drag

risk

#19 of 538 • Bottom 3.3% in tier

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

Why This Signature

Efficiency Ratio: 92.54%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.28%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#195 of 506 • Bottom 38.4% in tier

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

Why This Signature

Asset Growth (YoY): 14.41%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 16.66%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.28%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

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

↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk

#334 of 705 • Bottom 47.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#329 of 456 • Bottom 72.1% in tier

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

Why This Signature

Loan Growth (YoY): 2.90%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Stagnation Risk

risk

#440 of 554 • Bottom 79.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.28%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.90%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.86%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#442 of 554 • Bottom 79.8% in tier

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

Why This Signature

Member Growth (YoY): -1.28%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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 (7 metrics)

Asset Growth Rate

growth

Value: 14.41%

Peer Median: -

#42 of 1069 Top 3.8% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.97%

Peer Median: -

#77 of 1069 Top 7.1% in 100M-500M tier

133

Total Loans

balance_sheet

Value: $258.74M

Peer Median: -

#133 of 1069 Top 12.3% in 100M-500M tier

146

AMR Growth Rate

growth

Value: 9.03%

Peer Median: -

#146 of 1069 Top 13.6% in 100M-500M tier

167

Total Members

engagement

Value: 23,316

Peer Median: -

#167 of 1069 Top 15.5% in 100M-500M tier

181

Total Assets

balance_sheet

Value: $358.48M

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

185

Total Deposits

balance_sheet

Value: $307.29M

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

Top Weaknesses (3 metrics)

1006

Efficiency Ratio

profitability

Value: 92.54%

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

971

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

927

Share Certificate Concentration (%)

balance_sheet

Value: 35.46%

Peer Median: -

#927 of 1069 Bottom 13.4% in 100M-500M tier