BlastPoint's Credit Union Scorecard
IH CREDIT UNION, INC.
Charter #97104 · OH
IH CREDIT UNION, INC. has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 5.7% in tier
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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 2.07% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,531
-12.2% YoY-7.5% QoQ
|
+3.4K |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$358.7M
+1.9% YoY+0.8% QoQ
|
+$127.0M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
83% |
| Loans |
$202.7M
-5.4% YoY-1.6% QoQ
|
+$58.6M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$275.1M
+2.5% YoY+0.2% QoQ
|
+$73.9M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
76% |
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 |
0.4%
-29.6% YoY-20.0% QoQ
|
-0.4% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
3.5%
-1.3% YoY-0.8% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
80.1%
+12.1% YoY+6.6% QoQ
|
+2.1% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
1.8%
+41.0% YoY-9.2% QoQ
|
+1.1 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.8% in tier |
| Loan To Share |
73.7%
-7.7% YoY-1.8% QoQ
|
+3.3% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$25,783
+12.6% YoY+7.5% QoQ
|
+$864 |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
24.7%
+2.7% YoY-2.3% QoQ
|
+0.4% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
18.6%
-22.1% YoY-5.7% QoQ
|
+4.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)