BlastPoint's Credit Union Scorecard
DAY-MET
Charter #97105 · OH
DAY-MET has 11 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 1.0% in tier
- + Emerging Performer: Top 1.0% in tier
- + Profitability Leader: Top 13.0% in tier
- + ROA 1.15% above tier average
- + Strong member growth: 11.7% YoY
- + Fee Income Per Member: Top 1.0% in tier
- + Member Growth Rate: Top 3.2% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + Loan Growth Rate: Top 6.8% in tier
- + Loan-to-Share Ratio: Top 7.2% in tier
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.0% in tier
- - Indirect Auto Dependency: Bottom 11.8% in tier
- - Net Worth Ratio: Bottom 9.4% in tier
- - Share Certificate Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,337
+11.7% YoY-4.4% QoQ
|
-7.3K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$136.4M
+13.8% YoY+1.9% QoQ
|
$-94.9M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$112.8M
+15.1% YoY+2.2% QoQ
|
$-35.0M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$118.7M
+8.3% YoY-0.9% QoQ
|
$-81.6M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
1.9%
+1010.3% YoY-29.4% QoQ
|
+1.2% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 3.8% in tier |
| NIM |
3.3%
+13.2% YoY+0.9% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
61.2%
-34.6% YoY+12.5% QoQ
|
-16.1% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate |
0.5%
-4.9% YoY-11.9% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
95.0%
+6.3% YoY+3.1% QoQ
|
+22.3% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 7.3% in tier |
| AMR |
$27,771
-0.1% YoY+5.3% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
38.7%
-11.3% YoY+0.6% QoQ
|
+14.3% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
24.7%
-3.8% YoY+4.2% QoQ
|
+10.7% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)