BlastPoint's Credit Union Scorecard
HIGH STREET BAPTIST CHURCH
Charter #11986 · VA
HIGH STREET BAPTIST CHURCH has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 9.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 5.9% in tier
- - Loan-to-Share Ratio: Bottom 7.2% in tier
- - Total Members: Bottom 7.3% in tier
- - Total Loans: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
277
0% YoY+0.4% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 7.2% in tier |
| Assets |
$2.4M
-0.4% YoY-0.7% QoQ
|
$-27.5M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.1% in tier |
| Loans |
$513,226
-13.0% YoY-5.5% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.7% in tier |
| Deposits |
$2.0M
-2.1% YoY-1.1% QoQ
|
$-23.4M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.0% in tier |
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| ROA |
1.3%
-41.9% YoY-0.3% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
75% |
| NIM |
3.0%
-25.4% YoY-3.7% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
54.5%
+31.1% YoY-2.7% QoQ
|
-26.9% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
25.5%
-11.1% YoY-4.5% QoQ
|
-35.8% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.0% in tier |
| AMR |
$9,130
-4.5% YoY-2.4% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
12.4%
+1.3% YoY-3.0% QoQ
|
-12.1% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)