BlastPoint's Credit Union Scorecard
TAPPAN COMMUNITY CREDIT UNION, INC.
Charter #96796 · OH
TAPPAN COMMUNITY CREDIT UNION, INC. has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 1.01% above tier (higher cost structure)
- - Delinquency rate 0.68% above tier average
- - Member decline: -5.2% YoY
- - Deposit Growth Rate: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
779
-5.2% YoY-1.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$8.1M
-10.3% YoY+0.1% QoQ
|
$-22.1M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$4.4M
-0.1% YoY+2.3% QoQ
|
$-11.3M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$5.4M
-15.0% YoY-0.4% QoQ
|
$-20.2M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
25% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
+4149.6% YoY-76.5% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.5%
+6.3% YoY-4.2% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
83.6%
+3.1% YoY+3.9% QoQ
|
+1.0% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
2.2%
+15.1% YoY+5.6% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
81.1%
+17.6% YoY+2.7% QoQ
|
+20.5% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$12,667
-3.9% YoY+2.5% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration | 0.0% | -24.4% | 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)