BlastPoint's Credit Union Scorecard
ENFIELD COMMUNITY
Charter #1729 · CT
ENFIELD COMMUNITY has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,497
-3.8% YoY-1.0% QoQ
|
+881 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$44.2M
+2.9% YoY-0.3% QoQ
|
+$14.0M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$17.7M
+9.4% YoY+0.9% QoQ
|
+$1.9M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$39.9M
+2.2% YoY-0.6% QoQ
|
+$14.2M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.8%
-2.2% YoY+0.5% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.3%
+5.6% YoY+4.6% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
77.0%
+1.3% YoY+1.8% QoQ
|
-5.5% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.2%
-49.4% YoY+48.2% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
44.2%
+7.1% YoY+1.5% QoQ
|
-16.4% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$16,468
+8.4% YoY+0.8% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
14.0%
+23.9% YoY+11.2% QoQ
|
-10.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)