BlastPoint's Credit Union Scorecard
SAINT JOHN A M E
Charter #18528 · NY
2556 CUs in <100M nationally
183 in NY
SAINT JOHN A M E has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.83% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 23.85% above tier (higher cost structure)
- - Delinquency rate 2.76% above tier average
- - Member decline: -2.3% YoY
- - Total Assets: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 2.1% in tier
- - Total Loans: Bottom 3.0% in tier
- - Total Members: Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Members Per Employee (MPE): Bottom 5.2% in tier
- - Fee Income Per Member: Bottom 5.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
169
-2.3% YoY-1.7% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.7% in tier |
| Assets |
$191,990
-3.4% YoY-0.1% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.0% in tier |
| Loans |
$117,944
+9.0% YoY+35.0% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.9% in tier |
| Deposits |
$162,032
-3.7% YoY+0.2% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.3% in tier |
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| ROA |
-0.3%
-326.5% YoY-314.3% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.8% in tier |
| NIM |
4.8%
+10.1% YoY-0.9% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
106.4%
+9.8% YoY+9.7% QoQ
|
+23.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
4.3%
+137.9% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 7.6% in tier |
| Loan To Share |
72.8%
+13.2% YoY+34.7% QoQ
|
+12.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$1,657
+3.6% YoY+14.4% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
323
Loan Growth Rate
growth
Value:
8.95%
Peer Median: -
#323 of 2556
Top 12.6% in <100M tier
487
Net Interest Margin (NIM)
profitability
Value:
4.78%
Peer Median: -
#487 of 2556
Top 19.0% in <100M tier
Top Weaknesses (13 metrics)
2530
Total Assets
balance_sheet
Value:
$191,990
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2524
Total Deposits
balance_sheet
Value:
$162,032
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2504
Average Member Relationship (AMR)
engagement
Value:
$1,657
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2481
Total Loans
balance_sheet
Value:
$117,944
Peer Median: -
#2481 of 2556
Bottom 3.0% in <100M tier
2462
Total Members
engagement
Value:
169
Peer Median: -
#2462 of 2556
Bottom 3.7% in <100M tier
2441
Loan-to-Member Ratio (LMR)
engagement
Value:
$697.89
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2424
Members Per Employee (MPE)
engagement
Value:
84.500
Peer Median: -
#2424 of 2556
Bottom 5.2% in <100M tier
2407
Fee Income Per Member
profitability
Value:
$0.59
Peer Median: -
#2407 of 2556
Bottom 5.9% in <100M tier
2365
Efficiency Ratio
profitability
Value:
106.41%
Peer Median: -
#2365 of 2556
Bottom 7.5% in <100M tier
2362
Total Delinquency Rate (60+ days)
risk
Value:
4.32%
Peer Median: -
#2362 of 2556
Bottom 7.6% in <100M tier