BlastPoint's Credit Union Scorecard

BSE

Charter #97078 · OH

<100M

2508 CUs in <100M nationally 116 in OH

BSE has 2 strengths but faces 2 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

+ ROA 0.19% above tier average
+ Net Charge-Off Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 1.89% above tier (higher cost structure)
- Member decline: -4.0% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	2,258 -4.0% YoY-1.2% QoQ	-418	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	57%
Assets	$17.7M -3.7% YoY+0.3% QoQ	$-12.5M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	45%
Loans	$5.3M -4.4% YoY-4.7% QoQ	$-10.0M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	36%
Deposits	$15.9M -4.4% YoY+0.3% QoQ	$-9.9M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	46%

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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	0.3% +120.3% YoY+47.6% QoQ	+0.2%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	37%
NIM	3.9% +14.5% YoY+3.7% QoQ	-0.1%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	92.5% -1.8% YoY-1.9% QoQ	+1.9%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	0.1%	-1.4	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	19%
Loan To Share	33.3% +0.0% YoY-5.0% QoQ	-25.2%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	Bottom 14.3% in tier
AMR	$9,356 -0.4% YoY+0.2% QoQ	$-6K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	25%
CD Concentration	4.7% +21.8% YoY+5.2% QoQ	-19.6%	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 (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

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

209

Net Charge-Off Rate

risk

Value: -0.13%

Peer Median: 0.07%

#209 of 2508 Top 8.3% in <100M tier

470

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.65%

#470 of 2508 Top 18.7% in <100M tier

508

Members Per Employee (MPE)

engagement

Value: 451.600

Peer Median: 333.750

#508 of 2508 Top 20.2% in <100M tier

Top Weaknesses (7 metrics)

2158

Net Worth Ratio

risk

Value: 9.57%

Peer Median: 14.28%

#2158 of 2508 Bottom 14.0% in <100M tier

2148

Loan-to-Share Ratio

balance_sheet

Value: 33.27%

Peer Median: 58.72%

#2148 of 2508 Bottom 14.4% in <100M tier

2081

Loan-to-Member Ratio (LMR)

engagement

Value: $2,336

Peer Median: $4,923

#2081 of 2508 Bottom 17.1% in <100M tier

2028

Asset Growth Rate

growth

Value: -3.72%

Peer Median: 1.30%

#2028 of 2508 Bottom 19.2% in <100M tier

1982

Deposit Growth Rate

growth

Value: -4.38%

Peer Median: 0.66%

#1982 of 2508 Bottom 21.0% in <100M tier

1933

Member Growth Rate

growth

Value: -4.00%

Peer Median: -1.37%

#1933 of 2508 Bottom 23.0% in <100M tier

1890

Average Member Relationship (AMR)

engagement

Value: $9,356

Peer Median: $13,926

#1890 of 2508 Bottom 24.7% in <100M tier