BlastPoint's Credit Union Scorecard
PARISHIONERS
Charter #14650 · CA
<100M
2508 CUs in <100M nationally
92 in CA
PARISHIONERS has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Net Interest Margin 0.47% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.2% in tier
- + Loan Growth Rate: Top 3.2% in tier
- + Average Member Relationship (AMR): Top 3.5% in tier
- + Total Loans: Top 5.3% in tier
- + AMR Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.80% above tier average
- - Member decline: -6.8% YoY
- - Share Certificate Concentration (%): Bottom 8.3% in tier
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
- - Net Worth Ratio: Bottom 9.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,371
-6.8% YoY+1.0% QoQ
|
+694 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$67.2M
+2.0% YoY-2.3% QoQ
|
+$37.0M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 13.3% in tier |
| Loans |
$49.0M
+20.9% YoY-3.5% QoQ
|
+$33.7M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 5.4% in tier |
| Deposits |
$56.3M
-5.4% YoY-1.7% QoQ
|
+$30.5M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 14.4% in tier |
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| ROA |
0.9%
+29.1% YoY-2.7% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
4.5%
+6.3% YoY+3.3% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
71.1%
-9.2% YoY-3.3% QoQ
|
-19.5% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
3.3%
+17.4% YoY+40.5% QoQ
|
+1.8 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.9% in tier |
| Loan To Share |
87.0%
+27.8% YoY-1.8% QoQ
|
+28.5% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 10.4% in tier |
| AMR |
$31,226
+12.9% YoY-3.5% QoQ
|
+$16K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 3.5% in tier |
| CD Concentration |
39.1%
+16.7% YoY+5.7% QoQ
|
+14.8% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
9.4%
+10.7% YoY+1.9% QoQ
|
-4.4% | 13.8% | 9.0% | 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 (10 metrics)
55
Loan-to-Member Ratio (LMR)
engagement
Value:
$14,527
Peer Median: $4,923
#55 of 2508
Top 2.2% in <100M tier
81
Loan Growth Rate
growth
Value:
20.91%
Peer Median: -2.36%
#81 of 2508
Top 3.2% in <100M tier
88
Average Member Relationship (AMR)
engagement
Value:
$31,226
Peer Median: $13,926
#88 of 2508
Top 3.5% in <100M tier
135
Total Loans
balance_sheet
Value:
$48.97M
Peer Median: $9.48M
#135 of 2508
Top 5.3% in <100M tier
151
AMR Growth Rate
growth
Value:
12.89%
Peer Median: 1.27%
#151 of 2508
Top 6.0% in <100M tier
260
Loan-to-Share Ratio
balance_sheet
Value:
87.00%
Peer Median: 58.72%
#260 of 2508
Top 10.3% in <100M tier
334
Total Assets
balance_sheet
Value:
$67.16M
Peer Median: $21.86M
#334 of 2508
Top 13.3% in <100M tier
361
Total Deposits
balance_sheet
Value:
$56.29M
Peer Median: $18.77M
#361 of 2508
Top 14.4% in <100M tier
532
Fee Income Per Member
profitability
Value:
$119.54
Peer Median: $60.42
#532 of 2508
Top 21.2% in <100M tier
608
Net Interest Margin (NIM)
profitability
Value:
4.47%
Peer Median: 3.83%
#608 of 2508
Top 24.2% in <100M tier
Top Weaknesses (6 metrics)
2302
Share Certificate Concentration (%)
balance_sheet
Value:
39.10%
Peer Median: 12.45%
#2302 of 2508
Bottom 8.3% in <100M tier
2286
Indirect Auto Concentration (%)
balance_sheet
Value:
9.42%
Peer Median: 0.00%
#2286 of 2508
Bottom 8.9% in <100M tier
2275
Net Worth Ratio
risk
Value:
8.87%
Peer Median: 14.28%
#2275 of 2508
Bottom 9.3% in <100M tier
2261
Total Delinquency Rate (60+ days)
risk
Value:
3.30%
Peer Median: 0.65%
#2261 of 2508
Bottom 9.9% in <100M tier
2235
Member Growth Rate
growth
Value:
-6.78%
Peer Median: -1.37%
#2235 of 2508
Bottom 10.9% in <100M tier
2097
Deposit Growth Rate
growth
Value:
-5.42%
Peer Median: 0.66%
#2097 of 2508
Bottom 16.4% in <100M tier