BlastPoint's Credit Union Scorecard
PARISHIONERS
Charter #14650 · CA
2596 CUs in <100M nationally
92 in CA
PARISHIONERS has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 0.52% above tier average
- + Loan Growth Rate: Top 3.3% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Total Loans: Top 6.6% in tier
- + Member Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.96% above tier average
- - Net Worth Ratio: Bottom 8.2% in tier
- - Indirect Auto Concentration (%): Bottom 9.3% in tier
- - Share Certificate Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,652
+5.0% YoY-0.4% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$64.4M
+3.9% YoY+3.1% QoQ
|
+$34.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 14.8% in tier |
| Loans |
$46.9M
+20.0% YoY+8.2% QoQ
|
+$31.1M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 6.7% in tier |
| Deposits |
$56.3M
+3.3% YoY+1.1% QoQ
|
+$30.9M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 14.1% in tier |
| ROA |
1.0%
-9.5% YoY+15.2% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
4.5%
+15.0% YoY+4.7% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
73.5%
+6.6% YoY-2.0% QoQ
|
-7.9% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
3.5%
+136.8% YoY+97.8% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 10.1% in tier |
| Loan To Share |
83.3%
+16.2% YoY+7.0% QoQ
|
+22.1% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$28,265
+5.1% YoY+4.7% QoQ
|
+$14K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 5.2% in tier |
| CD Concentration |
36.9%
+13.4% YoY+5.5% QoQ
|
+12.5% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.2%
+24.6% YoY+6.9% QoQ
|
-3.7% |
14.0%
-5.8% YoY
|
9.5%
-6.9% 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 (10 metrics)
86
Loan Growth Rate
growth
Value:
19.99%
Peer Avg: 59.01%
#86 of 2596
Top 3.3% in <100M tier
88
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,847
Peer Avg: $5,488
#88 of 2596
Top 3.4% in <100M tier
135
Average Member Relationship (AMR)
engagement
Value:
$28,265
Peer Avg: $14,627
#135 of 2596
Top 5.2% in <100M tier
173
Total Loans
balance_sheet
Value:
$46.92M
Peer Avg: $15.77M
#173 of 2596
Top 6.6% in <100M tier
178
Member Growth Rate
growth
Value:
4.97%
Peer Avg: 14.92%
#178 of 2596
Top 6.8% in <100M tier
365
Total Deposits
balance_sheet
Value:
$56.30M
Peer Avg: $25.45M
#365 of 2596
Top 14.0% in <100M tier
385
Total Assets
balance_sheet
Value:
$64.44M
Peer Avg: $29.86M
#385 of 2596
Top 14.8% in <100M tier
477
Loan-to-Share Ratio
balance_sheet
Value:
83.33%
Peer Avg: 61.23%
#477 of 2596
Top 18.3% in <100M tier
513
Members Per Employee (MPE)
engagement
Value:
456.500
Peer Avg: 365.701
#513 of 2596
Top 19.7% in <100M tier
646
Total Members
engagement
Value:
3,652
Peer Avg: 2,626
#646 of 2596
Top 24.8% in <100M tier
Top Weaknesses (4 metrics)
2385
Net Worth Ratio
risk
Value:
8.78%
Peer Avg: 16.43%
#2385 of 2596
Bottom 8.2% in <100M tier
2356
Indirect Auto Concentration (%)
balance_sheet
Value:
10.23%
Peer Avg: 2.84%
#2356 of 2596
Bottom 9.3% in <100M tier
2343
Share Certificate Concentration (%)
balance_sheet
Value:
36.93%
Peer Avg: 15.37%
#2343 of 2596
Bottom 9.8% in <100M tier
2334
Total Delinquency Rate (60+ days)
risk
Value:
3.47%
Peer Avg: 1.51%
#2334 of 2596
Bottom 10.1% in <100M tier