BlastPoint's Credit Union Scorecard
ST. JOHN UNITED
Charter #21355 · NY
ST. JOHN UNITED has 3 strengths but faces 13 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 0.62% below tier average
- - Efficiency ratio 1.32% above tier (higher cost structure)
- - Delinquency rate 4.62% above tier average
- - Member decline: -4.2% YoY
- - Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Total Loans: Bottom 4.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
- - Total Assets: Bottom 6.1% in tier
- - Total Deposits: Bottom 6.6% in tier
- - Loan-to-Share Ratio: Bottom 7.0% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
- - Fee Income Per Member: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
414
-4.2% YoY-2.1% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.5% in tier |
| Assets |
$1.1M
-0.9% YoY-2.9% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.0% in tier |
| Loans |
$235,500
-11.1% YoY-6.9% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.4% in tier |
| Deposits |
$927,290
-1.1% YoY-3.5% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.0%
-99.7% YoY-100.4% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
3.4%
+3.1% YoY+7.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
83.9%
+5.6% YoY-5.3% QoQ
|
+1.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
6.2%
+831.7% YoY+72.7% QoQ
|
+4.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 4.6% in tier |
| Loan To Share |
25.4%
-10.1% YoY-3.5% QoQ
|
-35.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.8% in tier |
| AMR |
$2,809
+0.9% YoY-2.1% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)