BlastPoint's Credit Union Scorecard

OC

Charter #9208 · OH

100M-500M

1024 CUs in 100M-500M nationally 40 in OH

OC has 7 strengths but faces 5 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.13% above tier average
+ Net Charge-Off Rate: Top 6.1% in tier
+ Total Delinquency Rate (60+ days): Top 9.1% in tier
+ Loan Growth Rate: Top 9.5% in tier
+ Loan-to-Member Ratio (LMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Members Per Employee (MPE): Bottom 10.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
Shares and deposits +9.2% year over year ($251M in shares and deposits).
Membership: 14,318 members, +4.6% vs a year ago.
Delinquency rate 0.17%.
Return on assets 0.99%.
Efficiency ratio 74.28% vs a 76.73% peer average.
Loan-to-share ratio 91.15% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	14,318 +4.6% YoY+1.7% QoQ	-850	15,168 -2.6% YoY	18,978 +16.2% YoY	34,678 +6.6% YoY	56%
Assets	$314.9M +9.3% YoY+1.3% QoQ	+$82.9M	$232.0M +0.7% YoY	$292.1M +20.6% YoY	$593.1M +10.2% YoY	75%
Loans	$228.7M +13.4% YoY+5.5% QoQ	+$82.4M	$146.3M +0.2% YoY	$203.0M +21.8% YoY	$418.6M +10.1% YoY	82%
Deposits	$250.9M +9.2% YoY+1.0% QoQ	+$50.2M	$200.7M +0.2% YoY	$251.0M +21.0% YoY	$504.8M +10.3% YoY	72%

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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	1.0% +1.9% YoY+2.5% QoQ	+0.1%	0.9% +12.5% YoY	0.9% +55.0% YoY	1.2% +121.4% YoY	64%
NIM	3.6% +6.9% YoY+0.4% QoQ	+0.0%	3.7% +4.5% YoY	3.7% +2.2% YoY	3.8% +2.3% YoY	48%
Efficiency Ratio	74.3% +2.0% YoY-0.1% QoQ	-2.4%	76.7% -0.8% YoY	79.2% -2.1% YoY	83.0% -5.3% YoY	39%
Delinquency Rate	0.2% -32.9% QoQ	-0.7	0.9% +6.6% YoY	1.1% -6.2% YoY	1.3% +2.6% YoY	Top 9.1% in tier
Loan To Share	91.2% +3.9% YoY+4.4% QoQ	+19.6%	71.5% -0.3% YoY	60.7% -4.2% YoY	66.4% -1.4% YoY	Top 12.7% in tier
AMR	$33,494 +6.3% YoY+1.4% QoQ	+$8K	$25,107 +3.2% YoY	$18,171 +7.2% YoY	$20,028 -0.9% YoY	Top 12.3% in tier
CD Concentration	34.7% +9.1% YoY-1.3% QoQ	+10.1%	24.6%	19.2%	20.0%	50%
Indirect Auto %	18.7% +22.0% YoY+9.7% QoQ	+5.1%	13.6%	11.9%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#101 of 262 • Top 50.0% 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): 6.28%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#356 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.28%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#121 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 13.43%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Liquidity Strain

risk

#139 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.15%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 13.43%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Credit Quality Pressure

risk

#439 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#308 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 9.30%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 18.71%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 4.60%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (11 metrics)

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.34%

#63 of 1024 Top 6.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: 0.71%

#94 of 1024 Top 9.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.43%

Peer Median: 3.02%

#98 of 1024 Top 9.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,972

Peer Median: $9,434

#98 of 1024 Top 9.5% in 100M-500M tier

106

Member Growth Rate

growth

Value: 4.60%

Peer Median: -0.03%

#106 of 1024 Top 10.3% in 100M-500M tier

123

Deposit Growth Rate

growth

Value: 9.19%

Peer Median: 3.58%

#123 of 1024 Top 11.9% in 100M-500M tier

126

Average Member Relationship (AMR)

engagement

Value: $33,494

Peer Median: $23,006

#126 of 1024 Top 12.2% in 100M-500M tier

130

Loan-to-Share Ratio

balance_sheet

Value: 91.15%

Peer Median: 73.07%

#130 of 1024 Top 12.6% in 100M-500M tier

131

Asset Growth Rate

growth

Value: 9.30%

Peer Median: 4.12%

#131 of 1024 Top 12.7% in 100M-500M tier

180

Total Loans

balance_sheet

Value: $228.68M

Peer Median: $124.04M

#180 of 1024 Top 17.5% in 100M-500M tier

Top Weaknesses (2 metrics)

923

Members Per Employee (MPE)

engagement

Value: 220.277

Peer Median: 310.924

#923 of 1024 Bottom 10.0% in 100M-500M tier

854

Share Certificate Concentration (%)

balance_sheet

Value: 34.66%

Peer Median: 23.39%

#854 of 1024 Bottom 16.7% in 100M-500M tier