BlastPoint's Credit Union Scorecard
DOVER-PHILA
Charter #8822 · OH
DOVER-PHILA has 4 strengths but faces 6 concerns
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 70.9% in tier
- + Organic Growth Engine: Top 75.2% in tier
- + Organic Growth Leader: Top 92.2% in tier
- + ROA 0.22% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 73.0% in tier
- - Credit Risk Growth: Bottom 84.4% in tier
- - Delinquency rate 0.10% above tier average
- - Total Loans: Bottom 1.7% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,153
+0.7% YoY+0.1% QoQ
|
-17.9K |
52,084
-1.6% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$785.4M
+11.4% YoY+3.0% QoQ
|
$-78.5M |
$863.9M
+0.5% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$286.4M
+3.3% YoY-1.6% QoQ
|
$-319.4M |
$605.8M
+1.4% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.9% in tier |
| Deposits |
$690.1M
+9.1% YoY+2.3% QoQ
|
$-47.2M |
$737.3M
+0.1% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
1.0%
+45.6% YoY+6.7% QoQ
|
+0.2% |
0.7%
+39.1% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
2.1%
+8.3% YoY-12.5% QoQ
|
-1.3% |
3.4%
+8.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
61.7%
-11.3% YoY-1.6% QoQ
|
-12.6% |
74.3%
-3.6% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
1.0%
+11.4% YoY+30.5% QoQ
|
+0.1 |
0.9%
+3.8% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
41.5%
-5.3% YoY-3.9% QoQ
|
-41.1% |
82.6%
+1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.7% in tier |
| AMR |
$28,590
+6.6% YoY+1.1% QoQ
|
$-283 |
$28,873
+2.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
25.7%
+7.8% YoY+0.2% QoQ
|
+1.3% | 24.4% | 19.4% | 19.8% | 54% |
| Indirect Auto % |
1.5%
-53.4% YoY-14.9% QoQ
|
-12.3% | 13.8% | 11.2% | 7.8% | 38% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)