BlastPoint's Credit Union Scorecard

MILLSTREAM AREA

Charter #96756 · OH

<100M

2508 CUs in <100M nationally 116 in OH

MILLSTREAM AREA demonstrates 4 strengths

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 1.38% above tier average
+ Net Interest Margin 0.39% above tier average
+ Fee Income Per Member: Top 3.0% in tier
+ Total Members: Top 3.5% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	7,832 +0.1% YoY+0.6% QoQ	+5.2K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 3.6% in tier
Assets	$70.3M +5.4% YoY-0.5% QoQ	+$40.1M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Top 12.1% in tier
Loans	$33.9M +8.6% YoY-2.5% QoQ	+$18.7M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Top 13.8% in tier
Deposits	$61.2M +4.7% YoY-0.8% QoQ	+$35.4M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Top 11.5% in tier

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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	1.5% +29.6% YoY+20.7% QoQ	+1.4%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Top 14.4% in tier
NIM	4.4% -5.1% YoY-3.7% QoQ	+0.4%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	81.4% -2.0% YoY-0.5% QoQ	-9.2%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	1.0% -24.6% YoY-26.8% QoQ	-0.5	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	64%
Loan To Share	55.5% +3.7% YoY-1.7% QoQ	-3.0%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	46%
AMR	$12,148 +5.9% YoY-2.0% QoQ	$-3K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	40%
CD Concentration	9.9% -5.3% YoY+2.1% QoQ	-14.4%	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 (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

Fee Income Per Member

profitability

Value: $234.14

Peer Median: $60.42

#75 of 2508 Top 3.0% in <100M tier

Total Members

engagement

Value: 7,832

Peer Median: 1,918

#90 of 2508 Top 3.5% in <100M tier

289

Total Deposits

balance_sheet

Value: $61.19M

Peer Median: $18.77M

#289 of 2508 Top 11.5% in <100M tier

303

Total Assets

balance_sheet

Value: $70.28M

Peer Median: $21.86M

#303 of 2508 Top 12.0% in <100M tier

314

Loan Growth Rate

growth

Value: 8.56%

Peer Median: -2.36%

#314 of 2508 Top 12.5% in <100M tier

347

Total Loans

balance_sheet

Value: $33.95M

Peer Median: $9.48M

#347 of 2508 Top 13.8% in <100M tier

362

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Median: 0.61%

#362 of 2508 Top 14.4% in <100M tier

538

AMR Growth Rate

growth

Value: 5.89%

Peer Median: 1.27%

#538 of 2508 Top 21.4% in <100M tier

553

Asset Growth Rate

growth

Value: 5.41%

Peer Median: 1.30%

#553 of 2508 Top 22.0% in <100M tier

Top Weaknesses (1 metrics)

1895

Net Charge-Off Rate

risk

Value: 0.55%

Peer Median: 0.07%

#1895 of 2508 Bottom 24.5% in <100M tier