MORNING STAR BAPTIST

Charter #20839 | PA

<100M (2596 CUs) Micro
198 <100M in PA

MORNING STAR BAPTIST has 6 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.72% above tier average
  • + Net Interest Margin 0.88% 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 Worth Ratio: Top 1.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 27.06% above tier (higher cost structure)
  • - Delinquency rate 29.88% above tier average
  • - Member decline: -6.3% YoY
  • - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
  • - Deposit Growth Rate: Bottom 0.8% in tier
  • - Net Charge-Off Rate: Bottom 0.8% in tier
  • - Average Member Relationship (AMR): Bottom 0.8% in tier
  • - Total Deposits: Bottom 1.1% in tier
  • - Asset Growth Rate: Bottom 1.3% in tier
  • - Total Assets: Bottom 1.3% in tier
  • - AMR Growth Rate: Bottom 1.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
  • - Total Loans: Bottom 2.9% in tier
  • - Fee Income Per Member: Bottom 4.2% in tier
  • - Total Members: Bottom 7.0% in tier
  • - Loan Growth Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 266
-6.3% YoY-2.9% QoQ
 -2.4K 2,625
-2.2% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 6.9% in tier
Assets $237,833
-18.9% YoY-19.4% QoQ
 $-29.6M $29.9M
+1.1% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 1.3% in tier
Loans $90,025
-16.3% YoY-3.9% QoQ
 $-15.7M $15.8M
-2.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 2.9% in tier
Deposits $133,726
-33.5% YoY-31.3% QoQ
 $-25.3M $25.5M
+0.4% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 1.0% in tier
ROA 3.4%
-372.2% YoY+61.4% QoQ
 +2.7% 0.7%
-731.4% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 1.7% in tier
NIM 4.8%
+10.8% YoY+15.1% QoQ
 +0.9% 3.9%
+3.8% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Top 18.0% in tier
Efficiency Ratio 108.5%
-15.8% YoY+20.7% QoQ
 +27.1% 81.4%
-2.4% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Top 6.7% in tier
Delinquency Rate 31.4%
-14.9% YoY+41.4% QoQ
 +29.9 1.5%
-2.0% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Top 0.8% in tier
Loan To Share 67.3%
+26.0% YoY+39.8% QoQ
 +6.1% 61.2%
-3.0% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 58th in tier
AMR $841.2
-22.6% YoY-20.0% QoQ
 $-14K $14,627
-2.7% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 0.8% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
41
Net Worth Ratio
risk
Value: 43.77%
Peer Avg: 16.43%
#41 of 2596 Top 1.5% in <100M tier
43
Return on Assets (ROA)
profitability
Value: 3.41%
Peer Avg: 0.68%
#43 of 2596 Top 1.6% in <100M tier
466
Net Interest Margin (NIM)
profitability
Value: 4.81%
Peer Avg: 3.93%
#466 of 2596 Top 17.9% in <100M tier

Top Weaknesses (15 metrics)

2577
Total Delinquency Rate (60+ days)
risk
Value: 31.39%
Peer Avg: 1.51%
#2577 of 2596 Bottom 0.8% in <100M tier
2575
Deposit Growth Rate
growth
Value: -33.52%
Peer Avg: 16.80%
#2575 of 2596 Bottom 0.8% in <100M tier
2575
Net Charge-Off Rate
risk
Value: 8.72%
Peer Avg: 0.57%
#2575 of 2596 Bottom 0.8% in <100M tier
2575
Average Member Relationship (AMR)
engagement
Value: $841.17
Peer Avg: $14,627
#2575 of 2596 Bottom 0.8% in <100M tier
2569
Total Deposits
balance_sheet
Value: $133,726
Peer Avg: $25.45M
#2569 of 2596 Bottom 1.1% in <100M tier
2562
Asset Growth Rate
growth
Value: -18.88%
Peer Avg: 1.82%
#2562 of 2596 Bottom 1.3% in <100M tier
2562
Total Assets
balance_sheet
Value: $237,833
Peer Avg: $29.86M
#2562 of 2596 Bottom 1.3% in <100M tier
2553
AMR Growth Rate
growth
Value: -22.60%
Peer Avg: 4.67%
#2553 of 2596 Bottom 1.7% in <100M tier
2529
Loan-to-Member Ratio (LMR)
engagement
Value: $338.44
Peer Avg: $5,488
#2529 of 2596 Bottom 2.6% in <100M tier
2521
Total Loans
balance_sheet
Value: $90,025
Peer Avg: $15.77M
#2521 of 2596 Bottom 2.9% in <100M tier