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BlastPoint's Credit Union Scorecard

CHRISTIAN FAMILY

Charter #68746 · OH

<100M
2508 CUs in <100M nationally 116 in OH

CHRISTIAN FAMILY has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.53% above tier average
  • + Total Deposits: Top 0.8% in tier
  • + Total Assets: Top 1.2% in tier
  • + Fee Income Per Member: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Member Growth Rate: Bottom 0.0% in tier
  • - Asset Growth Rate: Bottom 0.0% in tier
  • - Loan Growth Rate: Bottom 0.0% in tier
  • - Deposit Growth Rate: Bottom 0.0% in tier
  • - AMR Growth Rate: Bottom 0.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 5,069
+44.9% QoQ
+2.4K 2,676
+1.6% YoY
16,936
+6.2% YoY
33,913
+5.7% YoY
Top 12.7% in tier
Assets $95.8M
+18.5% QoQ
+$65.6M $30.2M
+1.3% YoY
$257.9M
+8.7% YoY
$578.3M
+9.0% YoY
Top 1.2% in tier
Loans $37.5M
+19.9% QoQ
+$22.2M $15.3M
-2.0% YoY
$174.2M
+8.4% YoY
$402.4M
+8.7% YoY
Top 11.6% in tier
Deposits $84.8M
+19.3% QoQ
+$59.0M $25.8M
+0.7% YoY
$221.5M
+9.0% YoY
$494.3M
+9.1% YoY
Top 0.8% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
+243.1% QoQ
+0.5% 0.1%
-77.6% YoY
0.6%
+16.1% YoY
0.4%
-39.2% YoY
53%
NIM 2.8%
+20.2% QoQ
-1.2% 4.0%
+4.0% YoY
3.7%
+1.7% YoY
3.8%
+4.1% YoY
Bottom 14.1% in tier
Efficiency Ratio 82.6%
-11.8% QoQ
-8.0% 90.6%
+6.5% YoY
82.0%
-2.0% YoY
84.6%
+2.8% YoY
53%
Delinquency Rate 0.2%
+106.1% QoQ
-1.3 1.5%
+3.8% YoY
1.4%
+35.7% YoY
1.2%
+3.4% YoY
29%
Loan To Share 44.1%
+0.5% QoQ
-14.4% 58.5%
-3.0% YoY
61.3%
-2.1% YoY
65.6%
-1.4% YoY
28%
AMR $24,123
-17.6% QoQ
+$9K $14,884
-1.7% YoY
$17,686
+5.3% YoY
$19,920
+1.6% YoY
Top 10.2% in tier
CD Concentration 30.2%
-9.7% QoQ
+5.9% 24.3% 19.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 11.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
21
Total Deposits
balance_sheet
Value: $84.83M
Peer Median: $18.77M
#21 of 2508 Top 0.8% in <100M tier
31
Total Assets
balance_sheet
Value: $95.83M
Peer Median: $21.86M
#31 of 2508 Top 1.2% in <100M tier
133
Fee Income Per Member
profitability
Value: $196.25
Peer Median: $60.42
#133 of 2508 Top 5.3% in <100M tier
255
Average Member Relationship (AMR)
engagement
Value: $24,123
Peer Median: $13,926
#255 of 2508 Top 10.1% in <100M tier
292
Total Loans
balance_sheet
Value: $37.45M
Peer Median: $9.48M
#292 of 2508 Top 11.6% in <100M tier
293
Net Charge-Off Rate
risk
Value: -0.06%
Peer Median: 0.07%
#293 of 2508 Top 11.6% in <100M tier
318
Total Members
engagement
Value: 5,069
Peer Median: 1,918
#318 of 2508 Top 12.6% in <100M tier
541
Loan-to-Member Ratio (LMR)
engagement
Value: $7,388
Peer Median: $4,923
#541 of 2508 Top 21.5% in <100M tier

Top Weaknesses (7 metrics)

2508
Member Growth Rate
growth
Value: -
Peer Median: -1.37%
#2508 of 2508 Bottom 0.1% in <100M tier
2508
Asset Growth Rate
growth
Value: -
Peer Median: 1.30%
#2508 of 2508 Bottom 0.1% in <100M tier
2508
Loan Growth Rate
growth
Value: -
Peer Median: -2.36%
#2508 of 2508 Bottom 0.1% in <100M tier
2508
Deposit Growth Rate
growth
Value: -
Peer Median: 0.66%
#2508 of 2508 Bottom 0.1% in <100M tier
2508
AMR Growth Rate
growth
Value: -
Peer Median: 1.27%
#2508 of 2508 Bottom 0.1% in <100M tier
2154
Net Interest Margin (NIM)
profitability
Value: 2.84%
Peer Median: 3.83%
#2154 of 2508 Bottom 14.2% in <100M tier
2081
Share Certificate Concentration (%)
balance_sheet
Value: 30.22%
Peer Median: 12.45%
#2081 of 2508 Bottom 17.1% in <100M tier
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