BlastPoint's Credit Union Scorecard
NORTH COAST CREDIT UNION
Charter #95786 ยท OH
2596 CUs in <100M nationally
121 in OH
NORTH COAST CREDIT UNION has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.8% in tier
- + Members Per Employee (MPE): Top 8.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 8.53% above tier (higher cost structure)
- - Member decline: -3.8% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,327
-3.8% YoY-1.1% QoQ
|
-298 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$16.1M
-0.7% YoY+1.0% QoQ
|
$-13.8M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$7.6M
-6.5% YoY-2.4% QoQ
|
$-8.2M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$9.1M
-2.0% YoY+1.6% QoQ
|
$-16.4M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
34% |
| ROA |
0.6%
-10.3% YoY+6.0% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
4.6%
-2.0% YoY-1.9% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
89.9%
+4.3% YoY-0.1% QoQ
|
+8.5% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.4%
+139.4% YoY+11.6% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
83.8%
-4.6% YoY-3.9% QoQ
|
+22.6% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$7,179
-0.3% YoY+0.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
14.8%
+18.0% YoY+16.5% QoQ
|
-9.7% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
47
Net Worth Ratio
risk
Value:
43.12%
Peer Avg: 16.43%
#47 of 2596
Top 1.8% in <100M tier
222
Members Per Employee (MPE)
engagement
Value:
581.750
Peer Avg: 365.701
#222 of 2596
Top 8.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
469
Loan-to-Share Ratio
balance_sheet
Value:
83.81%
Peer Avg: 61.23%
#469 of 2596
Top 18.0% in <100M tier
615
Net Interest Margin (NIM)
profitability
Value:
4.60%
Peer Avg: 3.93%
#615 of 2596
Top 23.7% in <100M tier
Top Weaknesses (4 metrics)
2189
Average Member Relationship (AMR)
engagement
Value:
$7,179
Peer Avg: $14,627
#2189 of 2596
Bottom 15.7% in <100M tier
1983
Efficiency Ratio
profitability
Value:
89.92%
Peer Avg: 81.39%
#1983 of 2596
Bottom 23.7% in <100M tier
1975
First Mortgage Concentration (%)
balance_sheet
Value:
26.69%
Peer Avg: 14.49%
#1975 of 2596
Bottom 24.0% in <100M tier
1961
Member Growth Rate
growth
Value:
-3.84%
Peer Avg: 14.92%
#1961 of 2596
Bottom 24.5% in <100M tier