BlastPoint's Credit Union Scorecard
MESSIAH BAPTIST CHURCH
Charter #21440 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
MESSIAH BAPTIST CHURCH has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Net Interest Margin 0.60% above tier average
- + Deposit Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 0.3% in tier
- + Asset Growth Rate: Top 0.4% in tier
- + Loan Growth Rate: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.86% above tier average
- - Total Members: Bottom 3.6% in tier
- - Total Assets: Bottom 4.8% in tier
- - Net Worth Ratio: Bottom 5.1% in tier
- - Total Deposits: Bottom 5.8% in tier
- - Total Loans: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
167
0% YoY-8.2% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 3.5% in tier |
| Assets |
$908,038
+54.7% YoY+2.0% QoQ
|
$-29.3M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.7% in tier |
| Loans |
$526,305
+74.3% YoY+24.0% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.1% in tier |
| Deposits |
$827,622
+67.4% YoY+2.2% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.7% in tier |
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| ROA |
1.5%
-1107.0% YoY-25.2% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
4.6%
-13.8% YoY-4.5% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
71.2%
-30.7% YoY+9.5% QoQ
|
-19.4% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
2.4%
-20.0% QoQ
|
+0.9 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
63.6%
+4.1% YoY+21.4% QoQ
|
+5.1% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$8,107
+70.0% YoY+19.5% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
12.6%
+73.6% YoY+2.8% QoQ
|
-11.6% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
6
Deposit Growth Rate
growth
Value:
67.43%
Peer Median: 0.66%
#6 of 2508
Top 0.2% in <100M tier
8
AMR Growth Rate
growth
Value:
70.05%
Peer Median: 1.27%
#8 of 2508
Top 0.3% in <100M tier
10
Asset Growth Rate
growth
Value:
54.70%
Peer Median: 1.30%
#10 of 2508
Top 0.4% in <100M tier
13
Loan Growth Rate
growth
Value:
74.34%
Peer Median: -2.36%
#13 of 2508
Top 0.5% in <100M tier
402
Return on Assets (ROA)
profitability
Value:
1.46%
Peer Median: 0.61%
#402 of 2508
Top 16.0% in <100M tier
507
Net Interest Margin (NIM)
profitability
Value:
4.61%
Peer Median: 3.83%
#507 of 2508
Top 20.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (8 metrics)
2419
Total Members
engagement
Value:
167
Peer Median: 1,918
#2419 of 2508
Bottom 3.6% in <100M tier
2389
Total Assets
balance_sheet
Value:
$908,038
Peer Median: $21.86M
#2389 of 2508
Bottom 4.8% in <100M tier
2381
Net Worth Ratio
risk
Value:
8.07%
Peer Median: 14.28%
#2381 of 2508
Bottom 5.1% in <100M tier
2364
Total Deposits
balance_sheet
Value:
$827,622
Peer Median: $18.77M
#2364 of 2508
Bottom 5.8% in <100M tier
2306
Total Loans
balance_sheet
Value:
$526,305
Peer Median: $9.48M
#2306 of 2508
Bottom 8.1% in <100M tier
2224
Members Per Employee (MPE)
engagement
Value:
167.000
Peer Median: 333.750
#2224 of 2508
Bottom 11.4% in <100M tier
2121
Total Delinquency Rate (60+ days)
risk
Value:
2.36%
Peer Median: 0.65%
#2121 of 2508
Bottom 15.5% in <100M tier
2024
Average Member Relationship (AMR)
engagement
Value:
$8,107
Peer Median: $13,926
#2024 of 2508
Bottom 19.3% in <100M tier