BlastPoint's Credit Union Scorecard

GORMAN-RUPP & ASSOCIATES

Charter #96719 · OH

<100M

2508 CUs in <100M nationally 116 in OH

GORMAN-RUPP & ASSOCIATES has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.38% above tier average
+ Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

- Member decline: -4.0% YoY
- Share Certificate Concentration (%): Bottom 4.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	1,414 -4.0% YoY-0.8% QoQ	-1.3K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	39%
Assets	$16.7M +6.5% YoY+0.7% QoQ	$-13.5M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	43%
Loans	$9.8M -3.8% YoY+1.4% QoQ	$-5.4M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	51%
Deposits	$15.1M +6.4% YoY+0.7% QoQ	$-10.6M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	45%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -25.0% YoY-20.0% QoQ	+0.4%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	46%
NIM	4.4% -3.6% YoY-1.6% QoQ	+0.4%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	89.2% +7.6% YoY+11.0% QoQ	-1.4%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.1% -16.7% YoY-2.9% QoQ	-1.4	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	25%
Loan To Share	65.0% -9.6% YoY+0.7% QoQ	+6.5%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	59%
AMR	$17,674 +6.4% YoY+1.8% QoQ	+$3K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	68%
CD Concentration	49.2% +0.6% YoY-5.0% QoQ	+25.0%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.4%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

434

Asset Growth Rate

growth

Value: 6.48%

Peer Median: 1.30%

#434 of 2508 Top 17.3% in <100M tier

448

Deposit Growth Rate

growth

Value: 6.37%

Peer Median: 0.66%

#448 of 2508 Top 17.8% in <100M tier

481

AMR Growth Rate

growth

Value: 6.38%

Peer Median: 1.27%

#481 of 2508 Top 19.1% in <100M tier

605

Fee Income Per Member

profitability

Value: $111.39

Peer Median: $60.42

#605 of 2508 Top 24.1% in <100M tier

618

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.65%

#618 of 2508 Top 24.6% in <100M tier

Top Weaknesses (4 metrics)

2409

Share Certificate Concentration (%)

balance_sheet

Value: 49.25%

Peer Median: 12.45%

#2409 of 2508 Bottom 4.0% in <100M tier

2255

Net Worth Ratio

risk

Value: 9.01%

Peer Median: 14.28%

#2255 of 2508 Bottom 10.1% in <100M tier

1936

Member Growth Rate

growth

Value: -4.01%

Peer Median: -1.37%

#1936 of 2508 Bottom 22.8% in <100M tier

1928

Members Per Employee (MPE)

engagement

Value: 235.667

Peer Median: 333.750

#1928 of 2508 Bottom 23.2% in <100M tier