BlastPoint's Credit Union Scorecard
IH CREDIT UNION, INC.
Charter #97104 · OH
IH CREDIT UNION, INC. has 1 strength but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 1.6% in tier
- - Institutional Decline: Bottom 8.0% in tier
- - Membership Headwinds: Bottom 13.4% in tier
- - Credit Quality Pressure: Bottom 28.3% in tier
- - Indirect Auto Dependency: Bottom 61.8% in tier
- - ROA 0.30% below tier average
- - Delinquency rate 1.13% above tier average
- - Member decline: -7.4% YoY
- - Member Growth Rate: Bottom 6.0% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
- - Loan Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,040
-7.4% YoY-1.3% QoQ
|
+4.6K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$356.0M
+4.2% YoY-0.9% QoQ
|
+$124.2M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$206.1M
-5.8% YoY-1.9% QoQ
|
+$58.7M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$274.5M
+4.4% YoY+1.6% QoQ
|
+$73.7M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.5%
+34.4% YoY-8.8% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.5%
-1.5% YoY+0.9% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
75.1%
-0.5% YoY+1.0% QoQ
|
-1.9% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
2.0%
+21.6% YoY+13.8% QoQ
|
+1.1 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 7.3% in tier |
| Loan To Share |
75.1%
-9.8% YoY-3.4% QoQ
|
+2.9% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$23,980
+7.7% YoY+1.4% QoQ
|
$-696 |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
25.3%
+5.3% YoY+1.8% QoQ
|
+0.9% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
19.7%
-22.4% YoY-5.7% QoQ
|
+5.9% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
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)