BlastPoint's Credit Union Scorecard
WRIGHT-DUNBAR AREA
Charter #96691 · OH
WRIGHT-DUNBAR AREA has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.99% above tier average
- + Net Interest Margin 0.50% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 14.61% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.6% in tier
- - Total Assets: Bottom 2.1% in tier
- - Total Deposits: Bottom 2.2% in tier
- - AMR Growth Rate: Bottom 3.0% in tier
- - Total Loans: Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
309
+0.3% YoY+3.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$364,937
-9.4% YoY-1.3% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.0% in tier |
| Loans |
$135,093
-23.2% YoY-8.0% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.2% in tier |
| Deposits |
$295,571
-11.4% YoY-1.9% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.2% in tier |
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| ROA |
1.1%
-604.9% YoY-200.4% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
4.5%
+37.1% YoY+31.1% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
75.5%
-29.2% YoY-31.9% QoQ
|
-15.1% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
16.1%
-26.9% QoQ
|
+14.6 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
45.7%
-13.3% YoY-6.2% QoQ
|
-12.8% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$1,394
-15.8% YoY-7.0% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)