BlastPoint's Credit Union Scorecard
MORNING STAR BAPTIST
Charter #20839 · PA
<100M
2596 CUs in <100M nationally
198 in PA
MORNING STAR BAPTIST has 3 strengths but faces 8 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
- + 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
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 |
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| 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
|
82% |
| 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
|
Bottom 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
|
Bottom 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
|
58% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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 2596
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2596
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2596
Top 0.1% in <100M tier
41
Net Worth Ratio
risk
Value:
43.77%
Peer Median: -
#41 of 2596
Top 1.5% in <100M tier
43
Return on Assets (ROA)
profitability
Value:
3.41%
Peer Median: -
#43 of 2596
Top 1.6% in <100M tier
466
Net Interest Margin (NIM)
profitability
Value:
4.81%
Peer Median: -
#466 of 2596
Top 17.9% in <100M tier
Top Weaknesses (15 metrics)
2577
Total Delinquency Rate (60+ days)
risk
Value:
31.39%
Peer Median: -
#2577 of 2596
Bottom 0.8% in <100M tier
2575
Deposit Growth Rate
growth
Value:
-33.52%
Peer Median: -
#2575 of 2596
Bottom 0.8% in <100M tier
2575
Net Charge-Off Rate
risk
Value:
8.72%
Peer Median: -
#2575 of 2596
Bottom 0.8% in <100M tier
2575
Average Member Relationship (AMR)
engagement
Value:
$841.17
Peer Median: -
#2575 of 2596
Bottom 0.8% in <100M tier
2569
Total Deposits
balance_sheet
Value:
$133,726
Peer Median: -
#2569 of 2596
Bottom 1.1% in <100M tier
2562
Asset Growth Rate
growth
Value:
-18.88%
Peer Median: -
#2562 of 2596
Bottom 1.3% in <100M tier
2562
Total Assets
balance_sheet
Value:
$237,833
Peer Median: -
#2562 of 2596
Bottom 1.3% in <100M tier
2553
AMR Growth Rate
growth
Value:
-22.60%
Peer Median: -
#2553 of 2596
Bottom 1.7% in <100M tier
2529
Loan-to-Member Ratio (LMR)
engagement
Value:
$338.44
Peer Median: -
#2529 of 2596
Bottom 2.6% in <100M tier
2521
Total Loans
balance_sheet
Value:
$90,025
Peer Median: -
#2521 of 2596
Bottom 2.9% in <100M tier