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
- + Net Charge-Off Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Efficiency ratio 40.09% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Indirect Auto Concentration (%): Bottom 8.2% in tier
- - Net Worth Ratio: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,633
-1.9% YoY-0.2% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$21.9M
+0.1% YoY+1.4% QoQ
|
$-8.3M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$3.8M
-9.0% YoY-5.3% QoQ
|
$-11.4M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$21.0M
-1.2% YoY+1.6% QoQ
|
$-4.8M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
-1.0%
+338.5% YoY+77.6% QoQ
|
-1.1% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.6% in tier |
| NIM |
1.6%
+4.0% YoY-1.7% QoQ
|
-2.4% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
130.7%
+4.4% YoY+1.9% QoQ
|
+40.1% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate |
1.0%
+9.1% YoY+6.8% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
18.3%
-8.0% YoY-6.7% QoQ
|
-40.2% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.3% in tier |
| AMR |
$15,222
-0.6% YoY+0.6% QoQ
|
+$338 |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
1.3%
-49.2% YoY-11.2% QoQ
|
-22.9% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 10.5% | -3.3% | 13.8% | 4.5% | 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)