BlastPoint's Credit Union Scorecard
WRIGHT-DUNBAR AREA
Charter #96691 · OH
2596 CUs in <100M nationally
121 in OH
WRIGHT-DUNBAR AREA 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 Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Efficiency ratio 27.62% above tier (higher cost structure)
- - Delinquency rate 1.06% above tier average
- - Member decline: -2.2% YoY
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Total Assets: Bottom 2.2% in tier
- - Total Deposits: Bottom 2.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Total Loans: Bottom 3.7% in tier
- - Deposit Growth Rate: Bottom 4.0% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
- - Members Per Employee (MPE): Bottom 4.8% in tier
- - Total Members: Bottom 8.2% in tier
- - AMR Growth Rate: Bottom 9.2% in tier
- - Fee Income Per Member: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
305
-2.2% YoY-1.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 8.2% in tier |
| Assets |
$367,128
-11.3% YoY-3.2% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.2% in tier |
| Loans |
$156,292
-5.4% YoY-1.5% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.6% in tier |
| Deposits |
$298,532
-13.5% YoY-3.7% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.4% in tier |
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| ROA |
-0.3%
-443.5% YoY+148.2% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.6% in tier |
| NIM |
3.4%
+0.9% YoY+1.7% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
109.0%
+11.9% YoY+5.1% QoQ
|
+27.6% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
2.6%
-1.9% YoY
|
+1.1 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 14.7% in tier |
| Loan To Share |
52.4%
+9.5% YoY+2.3% QoQ
|
-8.9% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$1,491
-8.8% YoY-1.7% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.0% 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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (14 metrics)
2545
Average Member Relationship (AMR)
engagement
Value:
$1,491
Peer Avg: -
#2545 of 2596
Bottom 2.0% in <100M tier
2540
Total Assets
balance_sheet
Value:
$367,128
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2533
Total Deposits
balance_sheet
Value:
$298,532
Peer Avg: -
#2533 of 2596
Bottom 2.5% in <100M tier
2502
Loan-to-Member Ratio (LMR)
engagement
Value:
$512.43
Peer Avg: -
#2502 of 2596
Bottom 3.7% in <100M tier
2502
Total Loans
balance_sheet
Value:
$156,292
Peer Avg: -
#2502 of 2596
Bottom 3.7% in <100M tier
2494
Deposit Growth Rate
growth
Value:
-13.53%
Peer Avg: -
#2494 of 2596
Bottom 4.0% in <100M tier
2490
Asset Growth Rate
growth
Value:
-11.28%
Peer Avg: -
#2490 of 2596
Bottom 4.1% in <100M tier
2473
Members Per Employee (MPE)
engagement
Value:
76.250
Peer Avg: -
#2473 of 2596
Bottom 4.8% in <100M tier
2428
Efficiency Ratio
profitability
Value:
109.02%
Peer Avg: -
#2428 of 2596
Bottom 6.5% in <100M tier
2384
Total Members
engagement
Value:
305
Peer Avg: -
#2384 of 2596
Bottom 8.2% in <100M tier