BlastPoint's Credit Union Scorecard

OC

Charter #9208 · OH

1069 CUs in 100M-500M nationally 58 in OH

OC has 12 strengths but faces 2 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 8.4% in tier
+ Organic Growth Leader: Top 14.3% in tier
+ Relationship Depth Leader: Top 16.1% in tier
+ Wallet Share Momentum: Top 31.5% in tier
+ ROA 0.64% above tier average
+ Strong member growth: 6.0% YoY
+ Total Delinquency Rate (60+ days): Top 3.2% in tier
+ Loan Growth Rate: Top 3.6% in tier
+ Asset Growth Rate: Top 3.9% in tier
+ Deposit Growth Rate: Top 5.4% in tier
+ Member Growth Rate: Top 6.9% in tier
+ Net Charge-Off Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 68.1% in tier
- Members Per Employee (MPE): Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	13,927 +6.0% YoY+0.6% QoQ	-1.5K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	52%
Assets	$305.7M +14.4% YoY+2.1% QoQ	+$73.8M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	74%
Loans	$211.7M +19.7% YoY+2.7% QoQ	+$64.4M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	79%
Deposits	$243.6M +13.2% YoY+1.8% QoQ	+$42.8M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% 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	1.4% +86.5% YoY+7.6% QoQ	+0.6%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	Top 12.9% in tier
NIM	3.4% +7.9% YoY+1.1% QoQ	-0.2%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	40%
Efficiency Ratio	66.1% -15.9% YoY-2.5% QoQ	-10.9%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	17%
Delinquency Rate	0.1% -25.8% YoY-34.4% QoQ	-0.8	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	Bottom 3.2% in tier
Loan To Share	86.9% +5.7% YoY+0.9% QoQ	+14.7%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	79%
AMR	$32,692 +9.6% YoY+1.6% QoQ	+$8K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	Top 12.4% in tier
CD Concentration	34.4% +15.1% YoY+2.1% QoQ	+9.9%	24.4%	19.4%	19.8%	50%
Indirect Auto %	16.3% +124.4% YoY+4.1% QoQ	+2.5%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#51 of 595 • Top 8.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.00%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.40%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 16.27%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#62 of 426 • Top 14.3% in tier

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

Why This Signature

Member Growth (YoY): 6.00%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 16.27%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#44 of 268 • Top 16.1% 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): 9.56%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#162 of 513 • Top 31.5% in tier

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

Why This Signature

AMR Growth (YoY): 9.56%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#345 of 506 • Bottom 68.1% in tier

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

Why This Signature

Asset Growth (YoY): 14.41%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 16.27%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 6.00%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (14 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Loan Growth Rate

growth

Value: 19.69%

Peer Median: -

#40 of 1069 Top 3.6% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.41%

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.20%

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Member Growth Rate

growth

Value: 6.00%

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

113

Loan-to-Member Ratio (LMR)

engagement

Value: $15,202

Peer Median: -

#113 of 1069 Top 10.5% in 100M-500M tier

130

AMR Growth Rate

growth

Value: 9.56%

Peer Median: -

#130 of 1069 Top 12.1% in 100M-500M tier

133

Average Member Relationship (AMR)

engagement

Value: $32,692

Peer Median: -

#133 of 1069 Top 12.3% in 100M-500M tier

138

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: -

#138 of 1069 Top 12.8% in 100M-500M tier

Top Weaknesses (2 metrics)

984

Members Per Employee (MPE)

engagement

Value: 217.609

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

887

Share Certificate Concentration (%)

balance_sheet

Value: 34.37%

Peer Median: -

#887 of 1069 Bottom 17.1% in 100M-500M tier