BlastPoint's Credit Union Scorecard
ST. PASCHAL BAYLONS
Charter #11992 · OH
2556 CUs in <100M nationally
118 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 17.44% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Loan Growth Rate: Bottom 2.0% in tier
- - Total Loans: Bottom 5.4% in tier
- - Fee Income Per Member: Bottom 6.5% in tier
- - Total Members: Bottom 6.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- - Members Per Employee (MPE): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
258
0% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 6.5% in tier |
| Assets |
$5.8M
+1.8% YoY+0.4% QoQ
|
$-24.4M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$326,207
-32.2% YoY-17.1% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.4% in tier |
| Deposits |
$5.0M
+2.1% YoY+0.6% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.0%
-67.0% YoY-100.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
1.2%
-2.4% YoY-14.8% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio |
100.0%
+0.0% YoY+20.8% QoQ
|
+17.4% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 11.1% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
6.5%
-33.6% YoY-17.6% QoQ
|
-54.1% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.2% in tier |
| AMR |
$20,682
-1.0% YoY-0.7% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
484
Average Member Relationship (AMR)
engagement
Value:
$20,682
Peer Median: -
#484 of 2556
Top 18.9% in <100M tier
Top Weaknesses (12 metrics)
2527
Net Interest Margin (NIM)
profitability
Value:
1.16%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2523
Loan-to-Share Ratio
balance_sheet
Value:
6.51%
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2507
Loan Growth Rate
growth
Value:
-32.18%
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2419
Total Loans
balance_sheet
Value:
$326,207
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2391
Fee Income Per Member
profitability
Value:
$0.81
Peer Median: -
#2391 of 2556
Bottom 6.5% in <100M tier
2390
Total Members
engagement
Value:
258
Peer Median: -
#2390 of 2556
Bottom 6.5% in <100M tier
2379
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,264
Peer Median: -
#2379 of 2556
Bottom 7.0% in <100M tier
2345
Members Per Employee (MPE)
engagement
Value:
129.000
Peer Median: -
#2345 of 2556
Bottom 8.3% in <100M tier
2274
Efficiency Ratio
profitability
Value:
100.00%
Peer Median: -
#2274 of 2556
Bottom 11.1% in <100M tier
2147
Return on Assets (ROA)
profitability
Value:
0.00%
Peer Median: -
#2147 of 2556
Bottom 16.0% in <100M tier