BlastPoint's Credit Union Scorecard

CARDINAL CREDIT UNION, INC.

Charter #68707 · OH

1077 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 18.5% 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
- Credit Risk Growth: 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	84%
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	79%
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	81%

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	0.1% +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	38%
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	72%
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	73%
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	56%
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	50%
Indirect Auto %	14.2% +6.9% YoY-1.5% QoQ	+0.2%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#90 of 481 • Top 18.5% in tier

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

Why This Signature

AMR Growth (YoY): 11.34%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

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

Credit Risk Growth

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: 3.65%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 9.78%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.05%

(Tier: 0.85%, National: 1.23%)

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 11.34%

Peer Avg: -

#74 of 1077 Top 6.8% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.20%

Peer Avg: -

#96 of 1077 Top 8.8% in 100M-500M tier

144

Asset Growth Rate

growth

Value: 9.46%

Peer Avg: -

#144 of 1077 Top 13.3% in 100M-500M tier

155

Total Loans

balance_sheet

Value: $249.33M

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

172

Loan Growth Rate

growth

Value: 9.78%

Peer Avg: -

#172 of 1077 Top 15.9% in 100M-500M tier

173

Total Members

engagement

Value: 23,304

Peer Avg: -

#173 of 1077 Top 16.0% in 100M-500M tier

208

Total Deposits

balance_sheet

Value: $295.64M

Peer Avg: -

#208 of 1077 Top 19.2% in 100M-500M tier

226

Total Assets

balance_sheet

Value: $335.81M

Peer Avg: -

#226 of 1077 Top 20.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1003

Efficiency Ratio

profitability

Value: 92.74%

Peer Avg: -

#1003 of 1077 Bottom 7.0% in 100M-500M tier

964

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Avg: -

#964 of 1077 Bottom 10.6% in 100M-500M tier

909

Share Certificate Concentration (%)

balance_sheet

Value: 34.71%

Peer Avg: -

#909 of 1077 Bottom 15.7% in 100M-500M tier