BlastPoint's Credit Union Scorecard
MILLSTREAM AREA
Charter #96756 · OH
MILLSTREAM AREA demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Net Interest Margin 0.62% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.1% in tier
- + Total Members: Top 4.1% in tier
- + Asset Growth Rate: Top 4.9% in tier
- + Deposit Growth Rate: Top 5.2% in tier
- + AMR Growth Rate: Top 7.1% in tier
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,786
+0.2% YoY+1.0% QoQ
|
+5.2K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 4.1% in tier |
| Assets |
$70.6M
+13.0% YoY+5.7% QoQ
|
+$40.5M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 12.2% in tier |
| Loans |
$34.8M
+10.8% YoY+1.9% QoQ
|
+$19.0M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 14.1% in tier |
| Deposits |
$61.7M
+13.2% YoY+6.0% QoQ
|
+$36.0M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.4% in tier |
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| ROA |
1.3%
-16.9% YoY+4.5% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
4.6%
+1.1% YoY-1.6% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
81.8%
+3.1% YoY-0.7% QoQ
|
-0.7% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.4%
+15.4% YoY-13.5% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
56.4%
-2.1% YoY-3.9% QoQ
|
-4.2% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$12,391
+12.1% YoY+3.5% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
9.7%
-5.1% YoY-5.1% QoQ
|
-14.7% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)