BlastPoint's Credit Union Scorecard
FAITH COMMUNITY UNITED
Charter #96706 · OH
2556 CUs in <100M nationally
118 in OH
FAITH COMMUNITY UNITED has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.76% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.1% in tier
- + AMR Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 19.42% above tier (higher cost structure)
- - Delinquency rate 3.14% above tier average
- - Member decline: -15.4% YoY
- - Member Growth Rate: Bottom 2.4% in tier
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 5.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,112
-15.4% YoY-14.0% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$13.9M
-4.9% YoY-0.9% QoQ
|
$-16.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$6.4M
-7.7% YoY+2.4% QoQ
|
$-9.4M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$10.0M
-4.6% YoY+0.6% QoQ
|
$-15.7M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.2%
-85.9% YoY-66.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
5.7%
+25.9% YoY-3.2% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
102.0%
+23.1% YoY+2.2% QoQ
|
+19.4% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
4.7%
-51.3% YoY-34.7% QoQ
|
+3.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 6.9% in tier |
| Loan To Share |
64.0%
-3.3% YoY+1.8% QoQ
|
+3.4% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$3,980
+11.4% YoY+17.9% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
4.0%
+19.6% YoY-1.0% QoQ
|
-20.4% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
142
Net Interest Margin (NIM)
profitability
Value:
5.71%
Peer Median: -
#142 of 2556
Top 5.5% in <100M tier
156
Net Worth Ratio
risk
Value:
29.90%
Peer Median: -
#156 of 2556
Top 6.1% in <100M tier
202
AMR Growth Rate
growth
Value:
11.37%
Peer Median: -
#202 of 2556
Top 7.9% in <100M tier
445
Fee Income Per Member
profitability
Value:
$139.87
Peer Median: -
#445 of 2556
Top 17.4% in <100M tier
517
Total Members
engagement
Value:
4,112
Peer Median: -
#517 of 2556
Top 20.2% in <100M tier
Top Weaknesses (10 metrics)
2496
Member Growth Rate
growth
Value:
-15.43%
Peer Median: -
#2496 of 2556
Bottom 2.4% in <100M tier
2476
Net Charge-Off Rate
risk
Value:
3.15%
Peer Median: -
#2476 of 2556
Bottom 3.2% in <100M tier
2405
Average Member Relationship (AMR)
engagement
Value:
$3,980
Peer Median: -
#2405 of 2556
Bottom 5.9% in <100M tier
2381
Total Delinquency Rate (60+ days)
risk
Value:
4.70%
Peer Median: -
#2381 of 2556
Bottom 6.9% in <100M tier
2328
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,553
Peer Median: -
#2328 of 2556
Bottom 9.0% in <100M tier
2304
Efficiency Ratio
profitability
Value:
101.98%
Peer Median: -
#2304 of 2556
Bottom 9.9% in <100M tier
2195
Asset Growth Rate
growth
Value:
-4.85%
Peer Median: -
#2195 of 2556
Bottom 14.2% in <100M tier
2162
First Mortgage Concentration (%)
balance_sheet
Value:
36.13%
Peer Median: -
#2162 of 2556
Bottom 15.5% in <100M tier
2061
Deposit Growth Rate
growth
Value:
-4.56%
Peer Median: -
#2061 of 2556
Bottom 19.4% in <100M tier
1956
Return on Assets (ROA)
profitability
Value:
0.16%
Peer Median: -
#1956 of 2556
Bottom 23.5% in <100M tier