BlastPoint's Credit Union Scorecard
HIGH STREET BAPTIST CHURCH
Charter #11986 · VA
HIGH STREET BAPTIST CHURCH has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 5.8% in tier
- - Total Loans: Bottom 7.0% in tier
- - Total Members: Bottom 7.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
281
+1.8% YoY+1.4% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 7.2% in tier |
| Assets |
$2.4M
+1.4% YoY+2.0% QoQ
|
$-27.7M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.8% in tier |
| Loans |
$452,908
-19.8% YoY-11.8% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.0% in tier |
| Deposits |
$2.1M
+0.2% YoY+1.8% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.6% in tier |
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| ROA |
1.3%
-43.1% YoY-6.8% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.1%
-23.3% YoY+3.7% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
59.1%
+31.8% YoY+8.5% QoQ
|
-23.5% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.5% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
22.1%
-20.0% YoY-13.3% QoQ
|
-38.5% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.5% in tier |
| AMR |
$8,912
-5.8% YoY-2.4% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
13.2%
+6.6% YoY+7.2% QoQ
|
-11.2% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 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)