BlastPoint's Credit Union Scorecard
YOUR LEGACY
Charter #7674 · OH
YOUR LEGACY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + Total Members: Top 7.3% in tier
- + Total Loans: Top 7.7% in tier
- + Total Deposits: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Indirect Auto Concentration (%): Bottom 2.2% in tier
- - Net Charge-Off Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,524
+0.9% YoY+0.8% QoQ
|
+3.9K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 7.4% in tier |
| Assets |
$73.1M
+1.2% YoY-0.7% QoQ
|
+$43.2M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 10.6% in tier |
| Loans |
$44.7M
+8.2% YoY+3.6% QoQ
|
+$28.9M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Top 7.7% in tier |
| Deposits |
$65.9M
+0.3% YoY-1.2% QoQ
|
+$40.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Top 8.8% in tier |
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| ROA |
0.6%
-0.2% YoY+31.0% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
4.7%
+10.4% YoY+2.6% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
66.6%
-4.8% YoY-1.8% QoQ
|
-14.8% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
1.4%
+46.2% YoY+53.8% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
67.8%
+7.8% YoY+4.8% QoQ
|
+6.6% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$16,958
+2.5% YoY-0.1% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
17.5%
+8.9% YoY+4.6% QoQ
|
-6.9% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
44.1%
+5.7% YoY-0.4% QoQ
|
+30.2% |
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)