BlastPoint's Credit Union Scorecard
ANTIOCH
Charter #96660 · OH
2596 CUs in <100M nationally
121 in OH
ANTIOCH has 4 strengths but faces 15 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 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Efficiency ratio 29.02% above tier (higher cost structure)
- - Delinquency rate 5.01% above tier average
- - Member decline: -2.4% YoY
- - Deposit Growth Rate: Bottom 2.0% in tier
- - AMR Growth Rate: Bottom 3.1% in tier
- - Asset Growth Rate: Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 4.4% in tier
- - Loan-to-Share Ratio: Bottom 4.4% in tier
- - Average Member Relationship (AMR): Bottom 4.9% in tier
- - Total Loans: Bottom 5.9% in tier
- - Net Charge-Off Rate: Bottom 6.5% in tier
- - Net Interest Margin (NIM): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
719
-2.4% YoY-0.8% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$2.8M
-12.3% YoY-5.7% QoQ
|
$-27.1M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.4% in tier |
| Loans |
$352,727
-23.9% YoY-10.5% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.9% in tier |
| Deposits |
$1.8M
-17.3% YoY-8.1% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.3% in tier |
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| ROA |
-0.3%
-246.6% YoY-194.2% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.6% in tier |
| NIM |
2.5%
-8.2% YoY-0.7% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio |
110.4%
+18.4% YoY+23.9% QoQ
|
+29.0% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 6.2% in tier |
| Delinquency Rate |
6.5%
+642.3% YoY+2060.0% QoQ
|
+5.0 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 3.9% in tier |
| Loan To Share |
19.2%
-8.0% YoY-2.6% QoQ
|
-42.0% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.2% in tier |
| AMR |
$3,040
-16.4% YoY-7.7% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% 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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
107
Net Worth Ratio
risk
Value:
33.55%
Peer Avg: -
#107 of 2596
Top 4.1% in <100M tier
Top Weaknesses (16 metrics)
2544
Deposit Growth Rate
growth
Value:
-17.26%
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2517
AMR Growth Rate
growth
Value:
-16.36%
Peer Avg: -
#2517 of 2596
Bottom 3.1% in <100M tier
2509
Asset Growth Rate
growth
Value:
-12.35%
Peer Avg: -
#2509 of 2596
Bottom 3.4% in <100M tier
2508
Loan-to-Member Ratio (LMR)
engagement
Value:
$490.58
Peer Avg: -
#2508 of 2596
Bottom 3.4% in <100M tier
2495
Total Delinquency Rate (60+ days)
risk
Value:
6.52%
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2484
Loan Growth Rate
growth
Value:
-23.87%
Peer Avg: -
#2484 of 2596
Bottom 4.4% in <100M tier
2483
Loan-to-Share Ratio
balance_sheet
Value:
19.24%
Peer Avg: -
#2483 of 2596
Bottom 4.4% in <100M tier
2471
Average Member Relationship (AMR)
engagement
Value:
$3,040
Peer Avg: -
#2471 of 2596
Bottom 4.9% in <100M tier
2444
Total Loans
balance_sheet
Value:
$352,727
Peer Avg: -
#2444 of 2596
Bottom 5.9% in <100M tier
2435
Efficiency Ratio
profitability
Value:
110.41%
Peer Avg: -
#2435 of 2596
Bottom 6.2% in <100M tier