BlastPoint's Credit Union Scorecard
ST. PASCHAL BAYLONS
Charter #11992 · OH
<100M
2508 CUs in <100M nationally
116 in OH
ST. PASCHAL BAYLONS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 1.9% in tier
- - Total Loans: Bottom 5.3% in tier
- - Total Members: Bottom 6.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.4% in tier
- - Fee Income Per Member: Bottom 6.6% in tier
- - Members Per Employee (MPE): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
257
+0.8% YoY-0.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Bottom 6.4% in tier |
| Assets |
$5.8M
+4.7% YoY+0.8% QoQ
|
$-24.4M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$286,557
-33.4% YoY-12.2% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.2% in tier |
| Deposits |
$5.1M
+5.4% YoY+0.8% QoQ
|
$-20.7M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.2%
-44.4% YoY
|
+0.0% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
1.2%
-15.6% YoY+7.0% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio |
84.4%
+10.6% YoY-15.6% QoQ
|
-6.2% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
5.7%
-36.9% YoY-12.9% QoQ
|
-52.8% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.1% in tier |
| AMR |
$20,773
+1.4% YoY+0.4% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 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 (7 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
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
479
Average Member Relationship (AMR)
engagement
Value:
$20,773
Peer Median: $13,926
#479 of 2508
Top 19.1% 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
548
Deposit Growth Rate
growth
Value:
5.43%
Peer Median: 0.66%
#548 of 2508
Top 21.8% in <100M tier
Top Weaknesses (10 metrics)
2479
Loan-to-Share Ratio
balance_sheet
Value:
5.67%
Peer Median: 58.72%
#2479 of 2508
Bottom 1.2% in <100M tier
2473
Net Interest Margin (NIM)
profitability
Value:
1.24%
Peer Median: 3.83%
#2473 of 2508
Bottom 1.4% in <100M tier
2461
Loan Growth Rate
growth
Value:
-33.43%
Peer Median: -2.36%
#2461 of 2508
Bottom 1.9% in <100M tier
2377
Total Loans
balance_sheet
Value:
$286,557
Peer Median: $9.48M
#2377 of 2508
Bottom 5.3% in <100M tier
2348
Total Members
engagement
Value:
257
Peer Median: 1,918
#2348 of 2508
Bottom 6.4% in <100M tier
2348
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,115
Peer Median: $4,923
#2348 of 2508
Bottom 6.4% in <100M tier
2344
Fee Income Per Member
profitability
Value:
$0.42
Peer Median: $60.42
#2344 of 2508
Bottom 6.6% in <100M tier
2303
Members Per Employee (MPE)
engagement
Value:
128.500
Peer Median: 333.750
#2303 of 2508
Bottom 8.2% in <100M tier
1964
Total Assets
balance_sheet
Value:
$5.80M
Peer Median: $21.86M
#1964 of 2508
Bottom 21.7% in <100M tier
1929
Total Deposits
balance_sheet
Value:
$5.05M
Peer Median: $18.77M
#1929 of 2508
Bottom 23.1% in <100M tier