BlastPoint's Banking Scorecard
Credit First National Association
Micro
Specialty: Other
OH
FDIC cert 33855
Brook Park, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Credit First National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 3.89% below tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.8M
+2.2% YoY
-0.3% QoQ
|
-$178.6M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$500K
0% YoY
0% QoQ
|
-$183.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
28.95%
+15.6% YoY
+8.0% QoQ
|
+27.86% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
-0.04%
+11.9% YoY
+5.7% QoQ
|
-3.89% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
75.33%
-4.6% YoY
-2.1% QoQ
|
+7.61% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
387.66%
-5.9% YoY
-2.3% QoQ
|
+378.81% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
151.89%
-3.5% YoY
+34.6% QoQ
|
+151.33% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
-0.04%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
28
28th pctile
Efficiency Ratio
Current: 75.33% · Tier avg: 67.73%
5
5th pctile
Total Assets
Current: $38.8M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
0
0th pctile
Net Interest Margin
Current: -0.04% · Tier avg: 3.85%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: -0.04% · Tier avg: 3.85%
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
5
5th pctile
Total Assets
Current: $38.8M · Tier avg: $217.5M
28
28th pctile
Efficiency Ratio
Current: 75.33% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%