BlastPoint's Credit Union Scorecard
HIGH STREET BAPTIST CHURCH
Charter #11986 · VA
<100M
2508 CUs in <100M nationally
48 in VA
HIGH STREET BAPTIST CHURCH has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.24% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 5.7% in tier
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Members: Bottom 7.2% in tier
- - Loan-to-Share Ratio: Bottom 7.8% in tier
- - Total Loans: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
275
-0.7% YoY-2.1% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 7.1% in tier |
| Assets |
$2.5M
+5.7% YoY+3.1% QoQ
|
$-27.7M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.1% in tier |
| Loans |
$538,321
+10.1% YoY+18.9% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.1% in tier |
| Deposits |
$2.1M
+4.7% YoY+3.2% QoQ
|
$-23.7M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.7% in tier |
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| ROA |
1.4%
+81.0% YoY+10.6% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
2.9%
-5.8% YoY-5.2% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
52.2%
-30.5% YoY-11.6% QoQ
|
-38.4% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Top 5.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
25.4%
+5.2% YoY+15.2% QoQ
|
-33.1% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.7% in tier |
| AMR |
$9,656
+6.5% YoY+8.3% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
12.9%
+1.7% YoY-2.3% QoQ
|
-11.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
145
Efficiency Ratio
profitability
Value:
52.21%
Peer Median: 81.45%
#145 of 2508
Top 5.7% in <100M tier
249
Loan Growth Rate
growth
Value:
10.12%
Peer Median: -2.36%
#249 of 2508
Top 9.9% in <100M tier
443
Return on Assets (ROA)
profitability
Value:
1.39%
Peer Median: 0.61%
#443 of 2508
Top 17.6% in <100M tier
465
AMR Growth Rate
growth
Value:
6.54%
Peer Median: 1.27%
#465 of 2508
Top 18.5% in <100M tier
508
Asset Growth Rate
growth
Value:
5.75%
Peer Median: 1.30%
#508 of 2508
Top 20.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
616
Deposit Growth Rate
growth
Value:
4.72%
Peer Median: 0.66%
#616 of 2508
Top 24.5% in <100M tier
Top Weaknesses (9 metrics)
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2329
Total Members
engagement
Value:
275
Peer Median: 1,918
#2329 of 2508
Bottom 7.2% in <100M tier
2313
Loan-to-Share Ratio
balance_sheet
Value:
25.43%
Peer Median: 58.72%
#2313 of 2508
Bottom 7.8% in <100M tier
2305
Total Loans
balance_sheet
Value:
$538,321
Peer Median: $9.48M
#2305 of 2508
Bottom 8.1% in <100M tier
2230
Total Assets
balance_sheet
Value:
$2.49M
Peer Median: $21.86M
#2230 of 2508
Bottom 11.1% in <100M tier
2215
Total Deposits
balance_sheet
Value:
$2.12M
Peer Median: $18.77M
#2215 of 2508
Bottom 11.7% in <100M tier
2184
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,958
Peer Median: $4,923
#2184 of 2508
Bottom 13.0% in <100M tier
2116
Net Interest Margin (NIM)
profitability
Value:
2.91%
Peer Median: 3.83%
#2116 of 2508
Bottom 15.7% in <100M tier
1939
First Mortgage Concentration (%)
balance_sheet
Value:
27.78%
Peer Median: 3.66%
#1939 of 2508
Bottom 22.7% in <100M tier