BlastPoint's Credit Union Scorecard
MESSIAH BAPTIST CHURCH
Charter #21440 · NJ
MESSIAH BAPTIST CHURCH has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.19% above tier average
- + Strong member growth: 5.4% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 0.4% in tier
- + Loan Growth Rate: Top 0.5% in tier
- + Member Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Total Members: Bottom 3.8% in tier
- - Total Assets: Bottom 4.5% in tier
- - Total Deposits: Bottom 5.5% in tier
- - Net Worth Ratio: Bottom 6.6% in tier
- - Total Loans: Bottom 8.3% 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 97 that size in New Jersey.
- Shares and deposits +67.7% year over year ($805K in shares and deposits).
- Membership: 177 members, +5.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.32%.
- Efficiency ratio 76.36% vs a 88.77% peer average.
- Loan-to-share ratio 70.30% 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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
177
+5.4% YoY+6.0% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 3.7% in tier |
| Assets |
$887,631
+54.0% YoY-2.2% QoQ
|
$-29.4M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.5% in tier |
| Loans |
$565,912
+87.7% YoY+7.5% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.3% in tier |
| Deposits |
$804,978
+67.7% YoY-2.7% QoQ
|
$-25.0M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.5% in tier |
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| ROA |
1.3%
+61.7% YoY-9.5% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
5.1%
-10.0% YoY+10.5% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 10.4% in tier |
| Efficiency Ratio |
76.4%
-11.5% YoY+7.3% QoQ
|
-12.4% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
70.3%
+11.9% YoY+10.6% QoQ
|
+11.4% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$7,745
+66.5% YoY-4.5% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
10.8%
-3.8% YoY-14.4% QoQ
|
-13.7% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)