BlastPoint's Credit Union Scorecard
ST. PIUS X CHURCH
Charter #18090 · NY
ST. PIUS X CHURCH has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.6% in tier
- + Total Assets: Top 1.4% in tier
- + Total Loans: Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 1.91% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - Member decline: -3.6% YoY
- - Share Certificate Concentration (%): Bottom 5.6% in tier
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,187
-3.6% YoY-0.8% QoQ
|
+2.6K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 12.6% in tier |
| Assets |
$96.3M
+3.5% YoY+0.5% QoQ
|
+$66.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 1.5% in tier |
| Loans |
$60.3M
-4.1% YoY-1.3% QoQ
|
+$44.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 2.0% in tier |
| Deposits |
$86.8M
+3.4% YoY+0.5% QoQ
|
+$61.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 0.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-8.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
2.8%
+16.0% YoY+1.5% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio |
84.5%
-11.3% YoY-0.7% QoQ
|
+1.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.8%
+48.4% YoY+43.0% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
69.5%
-7.3% YoY-1.8% QoQ
|
+8.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$28,364
+4.0% YoY+0.6% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 5.4% in tier |
| CD Concentration |
43.8%
+2.5% YoY-1.8% QoQ
|
+19.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
16.8%
-31.8% YoY-9.9% QoQ
|
+3.0% | 13.8% | 2.6% | 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)