BlastPoint's Credit Union Scorecard
DAY-MET
Charter #97105 · OH
DAY-MET has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 5.0% in tier
- + Organic Growth Engine: Top 7.1% in tier
- + ROA 0.77% above tier average
- + Strong member growth: 8.5% YoY
- + Fee Income Per Member: Top 1.2% in tier
- + Member Growth Rate: Top 4.3% in tier
- + Asset Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 42.8% in tier
- - Liquidity Strain: Bottom 60.4% in tier
- - Credit Risk Growth: Bottom 67.9% in tier
- - Credit Quality Pressure: Bottom 98.4% in tier
- - Share Certificate Concentration (%): Bottom 8.2% in tier
- - Net Worth Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,946
+8.5% YoY-4.7% QoQ
|
-7.5K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$136.7M
+11.4% YoY+0.2% QoQ
|
$-95.2M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$110.1M
+10.3% YoY-2.4% QoQ
|
$-37.2M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$120.3M
+7.1% YoY+1.4% QoQ
|
$-80.5M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
1.5%
+374.2% YoY-20.9% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 10.2% in tier |
| NIM |
3.4%
+13.2% YoY+2.7% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
64.3%
-27.2% YoY+5.2% QoQ
|
-12.7% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
0.7%
+0.7% YoY+43.1% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
91.5%
+3.0% YoY-3.7% QoQ
|
+19.3% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 11.3% in tier |
| AMR |
$29,001
+0.1% YoY+4.4% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
39.6%
-7.2% YoY+2.2% QoQ
|
+15.1% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
24.9%
-1.6% YoY+0.7% QoQ
|
+11.1% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)