BlastPoint's Credit Union Scorecard

DOVER-PHILA

Charter #8822 · OH

Community 750M-1B

117 CUs in 750M-1B nationally 5 in OH

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DOVER-PHILA has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 32.7% in tier
+ Wallet Share Momentum: Top 32.7% in tier
+ Organic Growth Engine: Top 44.8% in tier
+ Organic Growth Leader: Top 44.8% in tier
+ ROA 0.89% above tier average
+ Efficiency Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 43.5% in tier
- Credit Quality Pressure: Bottom 50.2% in tier
- Total Loans: Bottom 1.7% in tier
- Loan-to-Share Ratio: Bottom 2.6% in tier
- Net Interest Margin (NIM): Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	34,200 +0.6% YoY+0.1% QoQ	-17.3K	51,500 +0.7% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	15%
Assets	$800.3M +7.8% YoY+1.9% QoQ	$-65.3M	$865.6M +0.9% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	23%
Loans	$284.5M +4.3% YoY-0.7% QoQ	$-310.8M	$595.3M +1.6% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Bottom 0.9% in tier
Deposits	$707.5M +6.9% YoY+2.5% QoQ	$-34.7M	$742.2M +0.6% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% +49.3% YoY+71.3% QoQ	+0.9%	0.8% +45.0% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Top 7.7% in tier
NIM	2.5% +12.5% YoY+21.5% QoQ	-1.0%	3.5% +6.1% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	Bottom 5.1% in tier
Efficiency Ratio	50.2% -12.3% YoY-18.6% QoQ	-25.3%	75.5% -3.4% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Top 2.6% in tier
Delinquency Rate	0.7% +2.8% YoY-31.9% QoQ	+0.0	0.7% -0.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	62%
Loan To Share	40.2% -2.4% YoY-3.1% QoQ	-40.4%	80.6% +0.7% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	Bottom 1.7% in tier
AMR	$29,005 +5.5% YoY+1.4% QoQ	+$97	$28,908 +0.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	61%
CD Concentration	25.6% +10.8% YoY-0.4% QoQ	+1.3%	24.3%	19.4%	19.8%	55%
Indirect Auto %	1.2% -54.6% YoY-17.3% QoQ	-12.6%	13.8%	11.4%	7.7%	37%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#119 of 257 • Top 32.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.52%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Organic Growth Engine

growth

#216 of 352 • Top 44.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.60%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 1.65%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 1.24%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth

#436 of 491 • Top 32.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.52%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#357 of 371 • Top 44.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.60%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 1.24%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#430 of 476 • Bottom 43.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.33%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#670 of 727 • Bottom 50.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 50.23%

Peer Median: 77.38%

#4 of 117 Top 2.6% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.65%

Peer Median: 0.63%

#9 of 117 Top 6.8% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: 0.47%

#18 of 117 Top 14.5% in 750M-1B tier

Fee Income Per Member

profitability

Value: $268.12

Peer Median: $187.56

#23 of 117 Top 18.8% in 750M-1B tier

Net Worth Ratio

risk

Value: 13.13%

Peer Median: 10.69%

#23 of 117 Top 18.8% in 750M-1B tier

Asset Growth Rate

growth

Value: 7.80%

Peer Median: 4.88%

#29 of 117 Top 23.9% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.24%

Peer Median: 13.79%

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (7 metrics)

116

Total Loans

balance_sheet

Value: $284.47M

Peer Median: $618.21M

#116 of 117 Bottom 1.7% in 750M-1B tier

115

Loan-to-Share Ratio

balance_sheet

Value: 40.21%

Peer Median: 84.41%

#115 of 117 Bottom 2.6% in 750M-1B tier

111

Net Interest Margin (NIM)

profitability

Value: 2.49%

Peer Median: 3.47%

#111 of 117 Bottom 6.0% in 750M-1B tier

104

Loan-to-Member Ratio (LMR)

engagement

Value: $8,318

Peer Median: $11,598

#104 of 117 Bottom 12.0% in 750M-1B tier

101

First Mortgage Concentration (%)

balance_sheet

Value: 49.54%

Peer Median: 32.60%

#101 of 117 Bottom 14.5% in 750M-1B tier

Total Members

engagement

Value: 34,200

Peer Median: 51,712

#99 of 117 Bottom 16.2% in 750M-1B tier

Total Assets

balance_sheet

Value: $800.30M

Peer Median: $858.87M

#90 of 117 Bottom 23.9% in 750M-1B tier