BlastPoint's Credit Union Scorecard

OHIO EDUCATIONAL

Charter #95107 · OH

100M-500M

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

OHIO EDUCATIONAL has 3 strengths but faces 6 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 0.63% above tier average
+ Total Delinquency Rate (60+ days): Top 6.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 10.85% above tier (higher cost structure)
- Net Worth Ratio: Bottom 4.9% in tier
- Indirect Auto Concentration (%): Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	14,808 -0.3% YoY-1.5% QoQ	-629	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	58%
Assets	$154.7M +5.2% YoY+0.5% QoQ	$-77.2M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	32%
Loans	$109.2M +8.5% YoY-2.2% QoQ	$-38.2M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	41%
Deposits	$139.3M +5.0% YoY+0.2% QoQ	$-61.5M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	35%

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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	0.5% -25.8% YoY+17.2% QoQ	-0.2%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	33%
NIM	4.2% +4.6% YoY+1.2% QoQ	+0.6%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	83%
Efficiency Ratio	87.9% +1.8% YoY-0.9% QoQ	+10.9%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	Bottom 14.2% in tier
Delinquency Rate	0.1% -59.4% YoY+23.7% QoQ	-0.8	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	Top 6.5% in tier
Loan To Share	78.4% +3.4% YoY-2.5% QoQ	+6.1%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	60%
AMR	$16,780 +6.9% YoY+0.6% QoQ	$-8K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	16%
CD Concentration	12.3% +12.8% YoY+4.7% QoQ	-12.2%	24.4%	19.4%	19.8%	50%
Indirect Auto %	41.4% +8.8% YoY-3.4% QoQ	+27.6%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#327 of 513 • 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): 6.87%

(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 (2)

Efficiency Drag

risk

#71 of 538 • 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: 87.87%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.35%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#103 of 506 • 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): 5.17%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 41.37%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.35%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

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

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: -

#71 of 1069 Top 6.5% in 100M-500M tier

159

Share Certificate Concentration (%)

balance_sheet

Value: 12.27%

Peer Median: -

#159 of 1069 Top 14.8% in 100M-500M tier

182

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

209

First Mortgage Concentration (%)

balance_sheet

Value: 14.65%

Peer Median: -

#209 of 1069 Top 19.5% in 100M-500M tier

230

Loan Growth Rate

growth

Value: 8.52%

Peer Median: -

#230 of 1069 Top 21.4% in 100M-500M tier

259

AMR Growth Rate

growth

Value: 6.87%

Peer Median: -

#259 of 1069 Top 24.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1018

Net Worth Ratio

risk

Value: 8.21%

Peer Median: -

#1018 of 1069 Bottom 4.9% in 100M-500M tier

992

Indirect Auto Concentration (%)

balance_sheet

Value: 41.37%

Peer Median: -

#992 of 1069 Bottom 7.3% in 100M-500M tier

918

Efficiency Ratio

profitability

Value: 87.87%

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

897

Average Member Relationship (AMR)

engagement

Value: $16,780

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier