BlastPoint's Credit Union Scorecard

MYUSA

Charter #96755 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

MYUSA faces 8 concerns requiring attention

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency ratio 3.80% above tier (higher cost structure)
- Member decline: -3.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	18,337 -3.5% YoY-0.5% QoQ	+3.2K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	71%
Assets	$355.9M +4.5% YoY+5.3% QoQ	+$124.2M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	83%
Loans	$173.5M -8.4% YoY-1.6% QoQ	+$29.3M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	70%
Deposits	$285.8M -1.6% YoY-1.6% QoQ	+$84.7M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	79%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.7% +27.4% YoY-13.6% QoQ	+0.0%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	51%
NIM	3.4% +6.3% YoY-4.2% QoQ	-0.2%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	81.8% -10.9% YoY+0.4% QoQ	+3.8%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.7% -51.0% YoY+21.6% QoQ	-0.1	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	54%
Loan To Share	60.7% -6.8% YoY-0.0% QoQ	-9.7%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	28%
AMR	$25,048 -0.8% YoY-1.1% QoQ	+$129	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	62%
CD Concentration	13.1% -21.3% YoY-18.5% QoQ	-11.1%	24.3%	19.4%	19.8%	50%
Indirect Auto %	7.4% -37.9% YoY-13.0% QoQ	-6.4%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#92 of 570 • 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): -3.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -8.35%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.66%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#41 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $355.86M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -3.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -8.35%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#210 of 570 • 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): -3.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Accelerating Exit Risk

decline

#28 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -3.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -0.79%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Efficiency Drag

risk

#473 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.82%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#214 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.79%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | 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 1070 peers in tier

Top Strengths (7 metrics)

168

First Mortgage Concentration (%)

balance_sheet

Value: 12.41%

Peer Median: 29.47%

#168 of 1070 Top 15.6% in 100M-500M tier

184

Share Certificate Concentration (%)

balance_sheet

Value: 13.15%

Peer Median: 23.10%

#184 of 1070 Top 17.1% in 100M-500M tier

185

Total Assets

balance_sheet

Value: $355.86M

Peer Median: $196.57M

#185 of 1070 Top 17.2% in 100M-500M tier

216

Fee Income Per Member

profitability

Value: $214.13

Peer Median: $154.95

#216 of 1070 Top 20.1% in 100M-500M tier

220

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: 0.35%

#220 of 1070 Top 20.5% in 100M-500M tier

227

Net Worth Ratio

risk

Value: 13.95%

Peer Median: 11.45%

#227 of 1070 Top 21.1% in 100M-500M tier

229

Total Deposits

balance_sheet

Value: $285.84M

Peer Median: $171.29M

#229 of 1070 Top 21.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1024

Loan Growth Rate

growth

Value: -8.35%

Peer Median: 2.93%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

944

Deposit Growth Rate

growth

Value: -1.62%

Peer Median: 3.30%

#944 of 1070 Bottom 11.9% in 100M-500M tier

894

Member Growth Rate

growth

Value: -3.52%

Peer Median: -0.06%

#894 of 1070 Bottom 16.5% in 100M-500M tier

893

AMR Growth Rate

growth

Value: -0.79%

Peer Median: 3.46%

#893 of 1070 Bottom 16.6% in 100M-500M tier