BlastPoint's Credit Union Scorecard

OHIO EDUCATIONAL

Charter #95107 · OH

100M-500M

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

OHIO EDUCATIONAL has 4 strengths 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.58% above tier average
+ Net Charge-Off Rate: Top 0.4% in tier
+ Total Delinquency Rate (60+ days): Top 5.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.43% below tier average
- Efficiency ratio 16.05% above tier (higher cost structure)
- Net Worth Ratio: Bottom 4.0% in tier
- Indirect Auto Concentration (%): Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	14,709 -1.6% YoY-0.7% QoQ	-436	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	58%
Assets	$158.2M +3.9% YoY+2.3% QoQ	$-73.5M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	35%
Loans	$106.5M +3.5% YoY-2.4% QoQ	$-37.6M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	40%
Deposits	$142.8M +3.7% YoY+2.5% QoQ	$-58.3M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	37%

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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	0.3% +4.8% YoY-42.7% QoQ	-0.4%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	23%
NIM	4.2% +3.2% YoY-0.5% QoQ	+0.6%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	94.1% +2.0% YoY+7.1% QoQ	+16.0%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Bottom 7.5% in tier
Delinquency Rate	0.1% -50.3% YoY-32.5% QoQ	-0.7	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	Top 5.4% in tier
Loan To Share	74.6% -0.2% YoY-4.8% QoQ	+4.2%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	55%
AMR	$16,952 +5.3% YoY+1.0% QoQ	$-8K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	16%
CD Concentration	12.4% +11.9% YoY+0.9% QoQ	-11.9%	24.3%	19.4%	19.8%	50%
Indirect Auto %	39.8% +1.0% YoY-3.9% QoQ	+26.0%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#454 of 491 • 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): 5.33%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#8 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 94.07%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.61%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#102 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): 3.91%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 39.77%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.61%

(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 | Rank improving

Membership Headwinds

decline

#417 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): -1.61%

(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

Stagnation Risk

risk

#525 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): -1.61%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.49%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.09%

(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

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 (5 metrics)

Net Charge-Off Rate

risk

Value: -0.18%

Peer Median: 0.35%

#5 of 1070 Top 0.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.61%

#59 of 1070 Top 5.4% in 100M-500M tier

162

Share Certificate Concentration (%)

balance_sheet

Value: 12.38%

Peer Median: 23.10%

#162 of 1070 Top 15.0% in 100M-500M tier

187

Net Interest Margin (NIM)

profitability

Value: 4.21%

Peer Median: 3.62%

#187 of 1070 Top 17.4% in 100M-500M tier

213

First Mortgage Concentration (%)

balance_sheet

Value: 14.78%

Peer Median: 29.47%

#213 of 1070 Top 19.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1028

Net Worth Ratio

risk

Value: 8.10%

Peer Median: 11.45%

#1028 of 1070 Bottom 4.0% in 100M-500M tier

991

Efficiency Ratio

profitability

Value: 94.07%

Peer Median: 78.68%

#991 of 1070 Bottom 7.5% in 100M-500M tier

984

Indirect Auto Concentration (%)

balance_sheet

Value: 39.77%

Peer Median: 6.61%

#984 of 1070 Bottom 8.1% in 100M-500M tier

894

Average Member Relationship (AMR)

engagement

Value: $16,952

Peer Median: $22,931

#894 of 1070 Bottom 16.5% in 100M-500M tier

826

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.69%

#826 of 1070 Bottom 22.9% in 100M-500M tier