BlastPoint's Credit Union Scorecard
SUMMIT
Charter #7182 · OH
SUMMIT demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,699
-1.5% YoY-0.3% QoQ
|
+2.1K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$58.8M
+7.2% YoY+0.4% QoQ
|
+$28.9M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$32.0M
-2.2% YoY-0.1% QoQ
|
+$16.3M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$49.5M
+6.9% YoY-0.1% QoQ
|
+$24.1M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
1.2%
-28.3% YoY-4.7% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
3.7%
-9.3% YoY+0.6% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
73.5%
+12.4% YoY+1.9% QoQ
|
-7.9% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.3%
-32.6% YoY-15.6% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
64.7%
-8.6% YoY+0.0% QoQ
|
+3.4% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$17,363
+4.7% YoY+0.2% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
19.1%
+17.1% YoY+6.4% QoQ
|
-5.3% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)