BlastPoint's Credit Union Scorecard

OC

Charter #9208 · OH

1077 CUs in 100M-500M nationally 58 in OH

OC has 13 strengths but faces 4 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 2.7% in tier
+ Organic Growth Leader: Top 3.3% in tier
+ Relationship Depth Leader: Top 15.2% in tier
+ Credit Quality Leader: Top 20.9% in tier
+ Wallet Share Momentum: Top 32.3% in tier
+ Profitability Leader: Top 65.8% in tier
+ ROA 0.52% above tier average
+ Strong member growth: 7.7% YoY
+ Asset Growth Rate: Top 3.2% in tier
+ Deposit Growth Rate: Top 3.5% in tier
+ Loan Growth Rate: Top 3.6% in tier
+ Member Growth Rate: Top 4.9% in tier
+ Total Delinquency Rate (60+ days): Top 5.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.9% in tier
- Credit Quality Pressure: Bottom 22.4% in tier
- Indirect Auto Dependency: Bottom 22.8% in tier
- Members Per Employee (MPE): Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	13,849 +7.7% YoY+1.2% QoQ	-1.8K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	52%
Assets	$299.5M +16.0% YoY+4.0% QoQ	+$68.2M	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	73%
Loans	$206.2M +19.6% YoY+2.3% QoQ	+$58.4M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	77%
Deposits	$239.2M +15.8% YoY+4.1% QoQ	+$39.0M	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	69%

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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	1.3% +69.9% YoY+33.8% QoQ	+0.5%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	82%
NIM	3.4% +5.1% YoY-0.0% QoQ	-0.2%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	38%
Efficiency Ratio	67.8% -13.2% YoY-6.9% QoQ	-9.5%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	21%
Delinquency Rate	0.1% +135.3% YoY+158.2% QoQ	-0.7	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	Bottom 5.9% in tier
Loan To Share	86.2% +3.3% YoY-1.8% QoQ	+13.5%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	77%
AMR	$32,161 +9.1% YoY+2.1% QoQ	+$8K	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	Top 12.8% in tier
CD Concentration	33.6% +18.3% YoY+6.0% QoQ	+9.2%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.6% +243.4% YoY+1.9% QoQ	+1.7%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#51 of 603 • Top 2.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.69%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.30%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 15.63%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#44 of 430 • Top 3.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.69%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 15.63%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth

#40 of 257 • Top 15.2% 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): 9.12%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.9K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Credit Quality Leader

growth

#72 of 340 • Top 20.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.11%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#156 of 481 • Top 32.3% in tier

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

Why This Signature

AMR Growth (YoY): 9.12%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Profitability Leader

growth

#224 of 340 • Top 65.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.30%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.54% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#134 of 446 • Bottom 8.9% in tier

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

Why This Signature

Loan Growth (YoY): 19.60%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#555 of 736 • Bottom 22.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#368 of 525 • Bottom 22.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 15.99%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 15.63%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 7.69%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (14 metrics)

Asset Growth Rate

growth

Value: 15.99%

Peer Avg: -

#35 of 1077 Top 3.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 15.77%

Peer Avg: -

#39 of 1077 Top 3.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 19.60%

Peer Avg: -

#40 of 1077 Top 3.6% in 100M-500M tier

Member Growth Rate

growth

Value: 7.69%

Peer Avg: -

#54 of 1077 Top 4.9% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Avg: -

#65 of 1077 Top 5.9% in 100M-500M tier

110

Loan-to-Member Ratio (LMR)

engagement

Value: $14,886

Peer Avg: -

#110 of 1077 Top 10.1% in 100M-500M tier

118

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#118 of 1077 Top 10.9% in 100M-500M tier

124

AMR Growth Rate

growth

Value: 9.12%

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

138

Average Member Relationship (AMR)

engagement

Value: $32,161

Peer Avg: -

#138 of 1077 Top 12.7% in 100M-500M tier

178

Fee Income Per Member

profitability

Value: $237.28

Peer Avg: -

#178 of 1077 Top 16.4% in 100M-500M tier

Top Weaknesses (2 metrics)

972

Members Per Employee (MPE)

engagement

Value: 227.033

Peer Avg: -

#972 of 1077 Bottom 9.8% in 100M-500M tier

880

Share Certificate Concentration (%)

balance_sheet

Value: 33.65%

Peer Avg: -

#880 of 1077 Bottom 18.4% in 100M-500M tier