BlastPoint's Credit Union Scorecard

GREATER CINCINNATI SCHOOL

Charter #96722 · OH

100M-500M

1069 CUs in 100M-500M nationally 58 in OH

GREATER CINCINNATI SCHOOL has 5 strengths but faces 5 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.80% above tier average
+ Net Interest Margin 0.26% above tier average
+ Loan Growth Rate: Top 2.0% in tier
+ AMR Growth Rate: Top 2.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Member decline: -4.6% YoY
- First Mortgage Concentration (%): Bottom 7.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	8,047 -4.6% YoY-1.8% QoQ	-7.4K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	17%
Assets	$134.2M +4.0% YoY+0.4% QoQ	$-97.7M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	22%
Loans	$71.3M +25.8% YoY+4.9% QoQ	$-76.1M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	16%
Deposits	$115.9M +2.8% YoY-0.0% QoQ	$-84.9M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% -17.7% YoY-21.1% QoQ	+0.8%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	Top 9.5% in tier
NIM	3.9% -3.8% YoY+1.1% QoQ	+0.3%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	65%
Efficiency Ratio	65.0% +2.1% YoY+10.4% QoQ	-12.0%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	15%
Delinquency Rate	0.5% -36.6% YoY-49.1% QoQ	-0.4	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	31%
Loan To Share	61.5% +22.4% YoY+5.0% QoQ	-10.8%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	26%
AMR	$23,259 +15.8% YoY+3.6% QoQ	$-1K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	53%
CD Concentration	12.2% +11.6% YoY+3.7% QoQ	-12.2%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#40 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 15.84%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (3)

Margin Compression

decline

#26 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.56%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.89%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Membership Headwinds

decline

#145 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#418 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 25.83%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.49%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 25.83%

Peer Median: -

#22 of 1069 Top 2.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 15.84%

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

102

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Median: -

#102 of 1069 Top 9.4% in 100M-500M tier

158

Share Certificate Concentration (%)

balance_sheet

Value: 12.22%

Peer Median: -

#158 of 1069 Top 14.7% in 100M-500M tier

164

Efficiency Ratio

profitability

Value: 65.00%

Peer Median: -

#164 of 1069 Top 15.2% in 100M-500M tier

185

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

Top Weaknesses (6 metrics)

994

First Mortgage Concentration (%)

balance_sheet

Value: 57.57%

Peer Median: -

#994 of 1069 Bottom 7.1% in 100M-500M tier

950

Member Growth Rate

growth

Value: -4.63%

Peer Median: -

#950 of 1069 Bottom 11.2% in 100M-500M tier

894

Total Loans

balance_sheet

Value: $71.26M

Peer Median: -

#894 of 1069 Bottom 16.5% in 100M-500M tier

883

Total Members

engagement

Value: 8,047

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

837

Total Deposits

balance_sheet

Value: $115.91M

Peer Median: -

#837 of 1069 Bottom 21.8% in 100M-500M tier

831

Total Assets

balance_sheet

Value: $134.17M

Peer Median: -

#831 of 1069 Bottom 22.4% in 100M-500M tier