BlastPoint's Credit Union Scorecard
ST. PIUS X CHURCH
Charter #18090 · NY
ST. PIUS X CHURCH has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.4% in tier
- + Total Assets: Top 0.9% in tier
- + Total Loans: Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Average Member Relationship (AMR): Top 4.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Delinquency rate 0.99% above tier average
- - Member decline: -5.6% YoY
- - Share Certificate Concentration (%): Bottom 5.9% in tier
- - Indirect Auto Concentration (%): Bottom 7.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +3.2% year over year ($87.9M in shares and deposits).
- Membership: 5,009 members, -5.6% vs a year ago.
- Delinquency rate 2.54%.
- Return on assets 0.35%.
- Efficiency ratio 83.78% vs a 88.77% peer average.
- Loan-to-share ratio 70.70% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,009
-5.6% YoY-1.8% QoQ
|
+2.4K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 13.4% in tier |
| Assets |
$97.5M
+3.3% YoY-0.7% QoQ
|
+$67.3M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Top 1.0% in tier |
| Loans |
$62.2M
+0.6% YoY+3.6% QoQ
|
+$46.7M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 1.4% in tier |
| Deposits |
$87.9M
+3.2% YoY-0.8% QoQ
|
+$62.1M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 0.5% in tier |
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| ROA |
0.3%
+36.8% YoY+11.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
3.1%
+14.5% YoY+5.9% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
83.8%
-2.9% YoY-2.7% QoQ
|
-5.0% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
2.5%
+185.2% YoY+90.0% QoQ
|
+1.0 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
70.7%
-2.5% YoY+4.4% QoQ
|
+11.8% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$29,960
+8.2% YoY+2.9% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 4.5% in tier |
| CD Concentration |
43.3%
+1.2% YoY-1.0% QoQ
|
+18.7% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % |
12.4%
-40.5% YoY-15.2% QoQ
|
-1.2% | 13.6% | 2.7% | 7.7% | 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)