BlastPoint's Credit Union Scorecard
GREATER CINCINNATI SCHOOL
Charter #96722 · OH
GREATER CINCINNATI SCHOOL has 9 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 11.8% in tier
- + Wallet Share Momentum: Top 12.1% in tier
- + ROA 1.19% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.9% in tier
- + AMR Growth Rate: Top 4.1% in tier
- + Fee Income Per Member: Top 6.2% in tier
- + Efficiency Ratio: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.7% in tier
- - Stagnation Risk: Bottom 1.2% in tier
- - Credit Quality Pressure: Bottom 4.4% in tier
- - Membership Headwinds: Bottom 9.5% in tier
- - Delinquency rate 0.10% above tier average
- - Member decline: -4.1% YoY
- - First Mortgage Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,193
-4.1% YoY-1.0% QoQ
|
-7.4K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$133.7M
+5.2% YoY-1.1% QoQ
|
$-97.6M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$67.9M
+19.1% YoY+3.6% QoQ
|
$-79.9M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.0% in tier |
| Deposits |
$115.9M
+3.9% YoY-1.6% QoQ
|
$-84.3M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
2.0%
+16.5% YoY+10.1% QoQ
|
+1.2% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 3.5% in tier |
| NIM |
3.8%
-6.4% YoY+0.9% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
58.9%
-11.7% YoY-1.1% QoQ
|
-18.4% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate |
1.0%
+169.3% YoY-7.2% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
58.6%
+14.7% YoY+5.3% QoQ
|
-14.1% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$22,440
+13.7% YoY+1.2% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
11.8%
+8.3% YoY+4.0% QoQ
|
-12.6% |
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 (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)