BlastPoint's Credit Union Scorecard

CARDINAL CREDIT UNION, INC.

Charter #68707 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

CARDINAL CREDIT UNION, INC. has 1 strength but faces 6 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

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.61% below tier average
- Efficiency ratio 16.11% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	23,771 -0.5% YoY+2.0% QoQ	+8.6K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 13.7% in tier
Assets	$354.3M +7.5% YoY-1.2% QoQ	+$122.6M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	82%
Loans	$262.6M +4.7% YoY+1.5% QoQ	+$118.4M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Top 10.4% in tier
Deposits	$313.9M +8.1% YoY+2.2% QoQ	+$112.8M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	84%

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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% +17.9% YoY+12.2% QoQ	-0.6%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Bottom 12.1% in tier
NIM	3.4% -0.2% YoY+2.8% QoQ	-0.2%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	94.1% -0.0% YoY+1.7% QoQ	+16.1%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Bottom 7.3% in tier
Delinquency Rate	0.8% +23.3% YoY-9.0% QoQ	+0.0	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	64%
Loan To Share	83.6% -3.2% YoY-0.7% QoQ	+13.2%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	77%
AMR	$24,254 +7.0% YoY-0.1% QoQ	$-665	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	57%
CD Concentration	35.9% +13.8% YoY+1.3% QoQ	+11.6%	24.3%	19.4%	19.8%	50%
Indirect Auto %	15.4% +4.5% YoY-7.3% QoQ	+1.6%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#272 of 491 • 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): 7.05%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk

#2 of 596 • 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: 94.13%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#412 of 727 • 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): 0.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#311 of 476 • 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): 4.70%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#337 of 504 • 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): 7.54%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 15.44%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (8 metrics)

111

Total Loans

balance_sheet

Value: $262.59M

Peer Median: $121.41M

#111 of 1070 Top 10.3% in 100M-500M tier

147

Total Members

engagement

Value: 23,771

Peer Median: 13,200

#147 of 1070 Top 13.6% in 100M-500M tier

175

Deposit Growth Rate

growth

Value: 8.14%

Peer Median: 3.30%

#175 of 1070 Top 16.3% in 100M-500M tier

176

Total Deposits

balance_sheet

Value: $313.94M

Peer Median: $171.29M

#176 of 1070 Top 16.4% in 100M-500M tier

190

Total Assets

balance_sheet

Value: $354.28M

Peer Median: $196.57M

#190 of 1070 Top 17.7% in 100M-500M tier

209

AMR Growth Rate

growth

Value: 7.05%

Peer Median: 3.46%

#209 of 1070 Top 19.4% in 100M-500M tier

225

Asset Growth Rate

growth

Value: 7.54%

Peer Median: 3.91%

#225 of 1070 Top 20.9% in 100M-500M tier

250

Loan-to-Share Ratio

balance_sheet

Value: 83.64%

Peer Median: 71.88%

#250 of 1070 Top 23.3% in 100M-500M tier

Top Weaknesses (3 metrics)

993

Efficiency Ratio

profitability

Value: 94.13%

Peer Median: 78.68%

#993 of 1070 Bottom 7.3% in 100M-500M tier

941

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 0.69%

#941 of 1070 Bottom 12.1% in 100M-500M tier

936

Share Certificate Concentration (%)

balance_sheet

Value: 35.91%

Peer Median: 23.10%

#936 of 1070 Bottom 12.6% in 100M-500M tier