BlastPoint's Credit Union Scorecard
HOLY TRINITY BAPTIST
Charter #17269 · PA
2596 CUs in <100M nationally
198 in PA
HOLY TRINITY BAPTIST has 11 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.35% above tier average
- + Net Interest Margin 0.01% above tier average
- + 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
- + Loan Growth Rate: Top 1.0% in tier
- + Efficiency Ratio: Top 1.7% in tier
- + AMR Growth Rate: Top 4.9% in tier
- + Net Worth Ratio: Top 8.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.1% in tier
- - Average Member Relationship (AMR): Bottom 0.3% in tier
- - Total Deposits: Bottom 0.3% in tier
- - Total Loans: Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
- - Total Members: Bottom 1.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
111
-3.5% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 1.7% in tier |
| Assets |
$32,294
+6.4% YoY+2.9% QoQ
|
$-29.8M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.1% in tier |
| Loans |
$7,146
+32.8% YoY-22.9% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.9% in tier |
| Deposits |
$23,576
+4.7% YoY+2.9% QoQ
|
$-25.4M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.3% in tier |
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Tier 1
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| ROA |
3.0%
+345.2% YoY-2.9% QoQ
|
+2.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 2.2% in tier |
| NIM |
3.9%
+51.8% YoY-4.4% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
36.0%
-54.2% YoY-11.0% QoQ
|
-45.4% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
30.3%
+26.9% YoY-25.0% QoQ
|
-30.9% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.4% in tier |
| AMR |
$276.8
+14.1% YoY-4.5% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% 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 (11 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
26
Loan Growth Rate
growth
Value:
32.85%
Peer Avg: -
#26 of 2596
Top 1.0% in <100M tier
46
Efficiency Ratio
profitability
Value:
35.99%
Peer Avg: -
#46 of 2596
Top 1.7% in <100M tier
56
Return on Assets (ROA)
profitability
Value:
3.03%
Peer Avg: -
#56 of 2596
Top 2.1% in <100M tier
129
AMR Growth Rate
growth
Value:
14.07%
Peer Avg: -
#129 of 2596
Top 4.9% in <100M tier
215
Net Worth Ratio
risk
Value:
27.00%
Peer Avg: -
#215 of 2596
Top 8.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (9 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2594
Total Assets
balance_sheet
Value:
$32,294
Peer Avg: -
#2594 of 2596
Bottom 0.1% in <100M tier
2589
Average Member Relationship (AMR)
engagement
Value:
$276.77
Peer Avg: -
#2589 of 2596
Bottom 0.3% in <100M tier
2588
Total Deposits
balance_sheet
Value:
$23,576
Peer Avg: -
#2588 of 2596
Bottom 0.3% in <100M tier
2572
Total Loans
balance_sheet
Value:
$7,146
Peer Avg: -
#2572 of 2596
Bottom 1.0% in <100M tier
2569
Loan-to-Member Ratio (LMR)
engagement
Value:
$64.38
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2552
Total Members
engagement
Value:
111
Peer Avg: -
#2552 of 2596
Bottom 1.7% in <100M tier
2328
Fee Income Per Member
profitability
Value:
$2.28
Peer Avg: -
#2328 of 2596
Bottom 10.4% in <100M tier
2322
Loan-to-Share Ratio
balance_sheet
Value:
30.31%
Peer Avg: -
#2322 of 2596
Bottom 10.6% in <100M tier