BlastPoint's Credit Union Scorecard
PARISHIONERS
Charter #14650 · CA
PARISHIONERS has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.38% above tier average
- + Loan Growth Rate: Top 1.9% in tier
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + AMR Growth Rate: Top 2.2% in tier
- + Average Member Relationship (AMR): Top 3.1% in tier
- + Total Loans: Top 5.2% in tier
- + Asset Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.79% above tier average
- - Member decline: -5.9% YoY
- - Net Worth Ratio: Bottom 6.5% in tier
- - Indirect Auto Concentration (%): Bottom 9.3% in tier
- - Share Certificate Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,337
-5.9% YoY-8.6% QoQ
|
+721 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$68.7M
+12.5% YoY+6.7% QoQ
|
+$38.6M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 13.1% in tier |
| Loans |
$50.7M
+28.3% YoY+8.1% QoQ
|
+$35.0M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 5.2% in tier |
| Deposits |
$57.3M
+3.9% YoY+1.7% QoQ
|
+$31.6M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 13.8% in tier |
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| ROA |
0.9%
-17.8% YoY-7.5% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.3%
+9.9% YoY-2.9% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
73.5%
+7.0% YoY+0.1% QoQ
|
-9.0% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
2.3%
+11.0% YoY-32.3% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
88.6%
+23.5% YoY+6.3% QoQ
|
+28.0% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 11.6% in tier |
| AMR |
$32,370
+21.3% YoY+14.5% QoQ
|
+$18K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 3.1% in tier |
| CD Concentration |
37.0%
+14.8% YoY+0.1% QoQ
|
+12.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
9.2%
+18.2% YoY-9.7% QoQ
|
-4.5% | 13.8% | 9.2% | 7.8% | 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)