BlastPoint's Credit Union Scorecard
ST. VINCENT'S MEDICAL CENTER
Charter #20629 · CT
ST. VINCENT'S MEDICAL CENTER faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 44.93% above tier (higher cost structure)
- - Delinquency rate 0.19% above tier average
- - Net Interest Margin (NIM): Bottom 2.1% in tier
- - Loan-to-Share Ratio: Bottom 4.2% in tier
- - Net Worth Ratio: Bottom 6.0% in tier
- - Indirect Auto Concentration (%): Bottom 10.0% 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 43 that size in Connecticut.
- Shares and deposits -1.4% year over year ($20.7M in shares and deposits).
- Membership: 1,621 members, -1.7% vs a year ago.
- Delinquency rate 1.73%.
- Return on assets 1.02%.
- Efficiency ratio 133.70% vs a 88.77% peer average.
- Loan-to-share ratio 17.87% 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 (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,621
-1.7% YoY-0.7% QoQ
|
-964 |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$21.5M
-0.8% YoY-1.7% QoQ
|
$-8.8M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$3.7M
-8.2% YoY-3.7% QoQ
|
$-11.8M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$20.7M
-1.4% YoY-1.6% QoQ
|
$-5.1M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
1.0%
-302.7% YoY-204.2% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
1.6%
+3.6% YoY+0.0% QoQ
|
-2.3% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
133.7%
+3.7% YoY+2.3% QoQ
|
+44.9% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate |
1.7%
+3270.0% YoY+78.8% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
17.9%
-6.9% YoY-2.2% QoQ
|
-41.0% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.1% in tier |
| AMR |
$15,039
-0.8% YoY-1.2% QoQ
|
+$77 |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
1.4%
-37.9% YoY+1.6% QoQ
|
-23.2% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % |
7.6%
-27.6% QoQ
|
-6.0% | 13.6% | 4.3% | 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)