BlastPoint's Credit Union Scorecard
DOVER-PHILA
Charter #8822 · OH
DOVER-PHILA has 5 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 25.4% in tier
- + Organic Growth Engine: Top 26.7% in tier
- + Organic Growth Leader: Top 32.2% in tier
- + Wallet Share Momentum: Top 53.5% in tier
- + ROA 0.19% above tier average
Key Concerns
Areas that may need attention
- - Total Loans: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Total Assets: Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 6.2% in tier
- - Fee Income Per Member: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,131
+0.6% YoY+0.1% QoQ
|
-18.0K |
52,114
-2.1% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 14.3% in tier |
| Assets |
$762.8M
+10.7% YoY+1.0% QoQ
|
$-96.2M |
$859.0M
+0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.5% in tier |
| Loans |
$291.1M
+3.1% YoY-1.8% QoQ
|
$-312.3M |
$603.4M
+1.0% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.9% in tier |
| Deposits |
$674.3M
+10.0% YoY+0.6% QoQ
|
$-59.9M |
$734.2M
+0.9% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.9%
+19.8% YoY-18.2% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
67% |
| NIM |
2.3%
+20.1% YoY+2.5% QoQ
|
-1.0% |
3.4%
+9.6% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio |
62.7%
-7.0% YoY+7.8% QoQ
|
-11.8% |
74.5%
-3.2% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.8%
-3.4% YoY-4.3% QoQ
|
-0.1 |
0.8%
+5.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
43.2%
-6.3% YoY-2.4% QoQ
|
-39.5% |
82.7%
+0.1% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.7% in tier |
| AMR |
$28,284
+7.3% YoY-0.2% QoQ
|
$-367 |
$28,651
+2.5% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
25.7%
+8.5% YoY+6.8% QoQ
|
+1.2% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
55% |
| Indirect Auto % |
1.8%
-53.3% YoY-15.8% QoQ
|
-12.2% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
38% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)