BlastPoint's Credit Union Scorecard
ST. JOHN UNITED
Charter #21355 · NY
ST. JOHN UNITED has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Efficiency ratio 7.17% above tier (higher cost structure)
- - Delinquency rate 2.07% above tier average
- - Member decline: -4.5% YoY
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Total Loans: Bottom 4.7% in tier
- - Net Charge-Off Rate: Bottom 6.0% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Deposits: Bottom 7.2% in tier
- - Loan-to-Share Ratio: Bottom 7.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
423
-4.5% YoY-0.9% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 11.7% in tier |
| Assets |
$1.1M
-2.6% YoY-3.3% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.3% in tier |
| Loans |
$252,988
-3.4% YoY-5.7% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.7% in tier |
| Deposits |
$960,822
-3.1% YoY-3.8% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.1% in tier |
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| ROA |
-0.4%
-173.2% YoY-245.8% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.2% in tier |
| NIM |
3.1%
-5.7% YoY+10.9% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
88.6%
+11.6% YoY-3.3% QoQ
|
+7.2% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
3.6%
-21.8% YoY-26.0% QoQ
|
+2.1 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 9.6% in tier |
| Loan To Share |
26.3%
-0.3% YoY-2.0% QoQ
|
-34.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.2% in tier |
| AMR |
$2,870
+1.4% YoY-3.3% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)