BlastPoint's Credit Union Scorecard
ENFIELD COMMUNITY
Charter #1729 · CT
ENFIELD COMMUNITY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.7% YoY
- - Net Worth Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,532
-3.7% YoY-0.6% QoQ
|
+906 |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$44.3M
+4.8% YoY-6.8% QoQ
|
+$14.4M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$17.5M
+1.0% YoY+3.0% QoQ
|
+$1.7M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$40.2M
+4.3% YoY-7.6% QoQ
|
+$14.7M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.8%
-8.7% YoY+0.9% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
3.2%
-0.3% YoY+0.9% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
75.7%
+1.6% YoY+0.7% QoQ
|
-5.7% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.2%
-37.6% YoY-51.1% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
43.6%
-3.2% YoY+11.5% QoQ
|
-17.6% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$16,330
+7.2% YoY-4.1% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
12.6%
+32.5% YoY+16.7% QoQ
|
-11.8% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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)