BlastPoint's Credit Union Scorecard
ST. VINCENT'S MEDICAL CENTER
Charter #20629 · CT
ST. VINCENT'S MEDICAL CENTER has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.17% below tier average
- - Efficiency ratio 45.76% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Net Worth Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,636
-3.2% YoY-0.4% QoQ
|
-979 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$21.6M
+0.8% YoY+2.2% QoQ
|
$-8.6M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$4.1M
-10.5% YoY+0.9% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$20.7M
-0.9% YoY+2.2% QoQ
|
$-5.0M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
-0.6%
-6399.4% YoY+18.7% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.5% in tier |
| NIM |
1.7%
-2.6% YoY+1.0% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
128.3%
+25.9% YoY+1.0% QoQ
|
+45.8% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
0.9%
-35.9% YoY+7.0% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
19.6%
-9.7% YoY-1.2% QoQ
|
-41.0% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.4% in tier |
| AMR |
$15,127
+0.6% YoY+2.3% QoQ
|
+$345 |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
1.5%
-49.3% YoY-0.3% QoQ
|
-22.9% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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)