BlastPoint's Credit Union Scorecard
ST. PASCHAL BAYLONS
Charter #11992 · OH
2596 CUs in <100M nationally
121 in OH
ST. PASCHAL BAYLONS has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 1.36% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 1.6% in tier
- - Loan Growth Rate: Bottom 4.9% in tier
- - Total Loans: Bottom 6.5% in tier
- - Total Members: Bottom 6.6% in tier
- - Fee Income Per Member: Bottom 7.7% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
258
-0.8% YoY+0.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 6.5% in tier |
| Assets |
$5.7M
+0.1% YoY+1.8% QoQ
|
$-24.1M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$393,423
-22.0% YoY-10.0% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.5% in tier |
| Deposits |
$5.0M
+0.7% YoY+2.1% QoQ
|
$-20.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
23% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-74.1% YoY-25.9% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
1.4%
-32.7% YoY-6.1% QoQ
|
-2.6% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
82.8%
+49.8% YoY+5.9% QoQ
|
+1.4% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
7.9%
-22.5% YoY-11.9% QoQ
|
-53.3% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.4% in tier |
| AMR |
$20,828
-0.7% YoY+0.7% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
456
Average Member Relationship (AMR)
engagement
Value:
$20,828
Peer Avg: -
#456 of 2596
Top 17.5% in <100M tier
Top Weaknesses (10 metrics)
2561
Net Interest Margin (NIM)
profitability
Value:
1.36%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2556
Loan-to-Share Ratio
balance_sheet
Value:
7.90%
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2469
Loan Growth Rate
growth
Value:
-22.03%
Peer Avg: -
#2469 of 2596
Bottom 4.9% in <100M tier
2427
Total Loans
balance_sheet
Value:
$393,423
Peer Avg: -
#2427 of 2596
Bottom 6.5% in <100M tier
2425
Total Members
engagement
Value:
258
Peer Avg: -
#2425 of 2596
Bottom 6.6% in <100M tier
2398
Fee Income Per Member
profitability
Value:
$0.96
Peer Avg: -
#2398 of 2596
Bottom 7.7% in <100M tier
2387
Members Per Employee (MPE)
engagement
Value:
129.000
Peer Avg: -
#2387 of 2596
Bottom 8.1% in <100M tier
2365
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,525
Peer Avg: -
#2365 of 2596
Bottom 8.9% in <100M tier
2022
Total Assets
balance_sheet
Value:
$5.73M
Peer Avg: -
#2022 of 2596
Bottom 22.1% in <100M tier
1992
Total Deposits
balance_sheet
Value:
$4.98M
Peer Avg: -
#1992 of 2596
Bottom 23.3% in <100M tier