BlastPoint's Credit Union Scorecard
ANTIOCH
Charter #96660 · OH
2556 CUs in <100M nationally
118 in OH
ANTIOCH has 4 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 30.82% above tier (higher cost structure)
- - Delinquency rate 5.09% above tier average
- - Member decline: -3.3% YoY
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.8% in tier
- - Loan-to-Share Ratio: Bottom 4.3% in tier
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Loans: Bottom 5.6% in tier
- - Net Interest Margin (NIM): 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 |
713
-3.3% YoY-0.8% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$2.7M
-13.5% YoY-1.4% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.7% in tier |
| Loans |
$342,654
-26.9% YoY-2.9% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.5% in tier |
| Deposits |
$1.8M
-18.5% YoY-1.7% QoQ
|
$-23.9M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.8% in tier |
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| ROA |
-0.5%
-328.5% YoY+52.9% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.0% in tier |
| NIM |
2.4%
-9.2% YoY-0.5% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio |
113.4%
+21.5% YoY+2.7% QoQ
|
+30.8% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.5% in tier |
| Delinquency Rate |
6.6%
+641.1% YoY+1.8% QoQ
|
+5.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 3.8% in tier |
| Loan To Share |
19.0%
-10.2% YoY-1.1% QoQ
|
-41.6% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.2% in tier |
| AMR |
$3,007
-17.3% YoY-1.1% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
104
Net Worth Ratio
risk
Value:
33.77%
Peer Median: -
#104 of 2556
Top 4.0% in <100M tier
Top Weaknesses (16 metrics)
2510
Deposit Growth Rate
growth
Value:
-18.55%
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2497
Asset Growth Rate
growth
Value:
-13.47%
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2495
AMR Growth Rate
growth
Value:
-17.31%
Peer Median: -
#2495 of 2556
Bottom 2.4% in <100M tier
2480
Loan Growth Rate
growth
Value:
-26.89%
Peer Median: -
#2480 of 2556
Bottom 3.0% in <100M tier
2472
Loan-to-Member Ratio (LMR)
engagement
Value:
$480.58
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2459
Total Delinquency Rate (60+ days)
risk
Value:
6.64%
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2447
Loan-to-Share Ratio
balance_sheet
Value:
19.02%
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2440
Average Member Relationship (AMR)
engagement
Value:
$3,007
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2416
Efficiency Ratio
profitability
Value:
113.38%
Peer Median: -
#2416 of 2556
Bottom 5.5% in <100M tier
2415
Total Loans
balance_sheet
Value:
$342,654
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier