BlastPoint's Credit Union Scorecard

COMMUNITY STAR

Charter #95008 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

COMMUNITY STAR has 1 strength but faces 8 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

+ ROA 0.25% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Member decline: -2.5% YoY
- Total Assets: Bottom 2.9% in tier
- Total Deposits: Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	7,732 -2.5% YoY-0.6% QoQ	-7.4K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	16%
Assets	$102.5M +2.8% YoY+0.5% QoQ	$-129.2M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Bottom 2.8% in tier
Loans	$66.9M -1.7% YoY-1.6% QoQ	$-77.3M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Bottom 15.0% in tier
Deposits	$90.9M +3.8% YoY+2.2% QoQ	$-110.3M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Bottom 4.4% in tier

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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% +9.2% YoY+10.0% QoQ	+0.2%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	69%
NIM	3.3% +0.2% YoY-3.9% QoQ	-0.3%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	76.3% -1.3% YoY-0.0% QoQ	-1.7%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	0.4% +33.3% YoY-44.6% QoQ	-0.3	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	36%
Loan To Share	73.6% -5.3% YoY-3.7% QoQ	+3.2%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	53%
AMR	$20,402 +4.0% YoY+1.2% QoQ	$-5K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	34%
CD Concentration	20.9% +0.0% YoY-3.5% QoQ	-3.4%	24.3%	19.4%	19.8%	50%
Indirect Auto %	16.5% +10.5% YoY-0.0% QoQ	+2.7%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#269 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.69%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.45%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#302 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#470 of 727 • 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): 0.11% points

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

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#431 of 504 • 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): 2.78%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.47%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Institutional Decline

decline

#237 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $102.54M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -2.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.69%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | 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 1070 peers in tier

Top Strengths (1 metrics)

167

Fee Income Per Member

profitability

Value: $230.15

Peer Median: $154.95

#167 of 1070 Top 15.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1040

Total Assets

balance_sheet

Value: $102.54M

Peer Median: $196.57M

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1023

Total Deposits

balance_sheet

Value: $90.87M

Peer Median: $171.29M

#1023 of 1070 Bottom 4.5% in 100M-500M tier

910

Total Loans

balance_sheet

Value: $66.88M

Peer Median: $121.41M

#910 of 1070 Bottom 15.0% in 100M-500M tier

903

Total Members

engagement

Value: 7,732

Peer Median: 13,200

#903 of 1070 Bottom 15.7% in 100M-500M tier

835

Net Worth Ratio

risk

Value: 9.58%

Peer Median: 11.45%

#835 of 1070 Bottom 22.1% in 100M-500M tier

820

Member Growth Rate

growth

Value: -2.48%

Peer Median: -0.06%

#820 of 1070 Bottom 23.5% in 100M-500M tier

807

Loan Growth Rate

growth

Value: -1.69%

Peer Median: 2.93%

#807 of 1070 Bottom 24.7% in 100M-500M tier