BlastPoint's Credit Union Scorecard
PARISH
Charter #2935 · OH
PARISH has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.37% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,769
-0.9% YoY-0.6% QoQ
|
-846 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$23.8M
+6.2% YoY-5.6% QoQ
|
$-6.4M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$11.0M
+9.9% YoY+2.6% QoQ
|
$-4.8M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$20.6M
+5.2% YoY-6.5% QoQ
|
$-5.1M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.7%
+2.6% YoY+8.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.9%
-0.5% YoY+1.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
85.9%
-0.4% YoY-0.9% QoQ
|
+3.4% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
53.4%
+4.5% YoY+9.7% QoQ
|
-7.2% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$17,835
+7.8% YoY-3.0% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
16.4%
-5.2% YoY+2.8% QoQ
|
-8.0% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 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)