BlastPoint's Credit Union Scorecard
MESSIAH BAPTIST CHURCH
Charter #21440 · NJ
2556 CUs in <100M nationally
98 in NJ
MESSIAH BAPTIST CHURCH has 11 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.33% above tier average
- + Net Interest Margin 0.87% above tier average
- + Strong member growth: 9.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 0.4% in tier
- + Loan Growth Rate: Top 1.2% in tier
- + Member Growth Rate: Top 3.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.40% above tier average
- - Total Members: Bottom 4.0% in tier
- - Net Worth Ratio: Bottom 4.2% in tier
- - Total Assets: Bottom 4.6% in tier
- - Total Deposits: Bottom 5.8% in tier
- - Total Loans: Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
+9.0% YoY-1.6% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.9% in tier |
| Assets |
$890,084
+86.3% YoY+45.8% QoQ
|
$-29.3M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.6% in tier |
| Loans |
$424,378
+36.9% YoY+36.9% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.6% in tier |
| Deposits |
$809,907
+111.4% YoY+55.9% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.8% in tier |
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| ROA |
2.0%
-1.6% YoY+94.3% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 7.5% in tier |
| NIM |
4.8%
+32.5% YoY-10.2% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
65.0%
+43.5% YoY-21.2% QoQ
|
-17.5% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
3.0%
+16.9% QoQ
|
+1.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 13.3% in tier |
| Loan To Share |
52.4%
-35.2% YoY-12.2% QoQ
|
-8.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$6,782
+63.4% YoY+51.2% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.2% in tier |
| CD Concentration |
12.3%
+8.3% YoY-32.6% QoQ
|
-12.1% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
3
Asset Growth Rate
growth
Value:
86.31%
Peer Median: -
#3 of 2556
Top 0.1% in <100M tier
5
Deposit Growth Rate
growth
Value:
111.41%
Peer Median: -
#5 of 2556
Top 0.2% in <100M tier
12
AMR Growth Rate
growth
Value:
63.42%
Peer Median: -
#12 of 2556
Top 0.4% in <100M tier
31
Loan Growth Rate
growth
Value:
36.92%
Peer Median: -
#31 of 2556
Top 1.2% in <100M tier
86
Member Growth Rate
growth
Value:
8.98%
Peer Median: -
#86 of 2556
Top 3.3% in <100M tier
191
Return on Assets (ROA)
profitability
Value:
1.95%
Peer Median: -
#191 of 2556
Top 7.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
458
Efficiency Ratio
profitability
Value:
65.02%
Peer Median: -
#458 of 2556
Top 17.9% in <100M tier
Top Weaknesses (9 metrics)
2454
Total Members
engagement
Value:
182
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2449
Net Worth Ratio
risk
Value:
7.86%
Peer Median: -
#2449 of 2556
Bottom 4.2% in <100M tier
2439
Total Assets
balance_sheet
Value:
$890,084
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2409
Total Deposits
balance_sheet
Value:
$809,907
Peer Median: -
#2409 of 2556
Bottom 5.8% in <100M tier
2388
Total Loans
balance_sheet
Value:
$424,378
Peer Median: -
#2388 of 2556
Bottom 6.6% in <100M tier
2217
Total Delinquency Rate (60+ days)
risk
Value:
2.95%
Peer Median: -
#2217 of 2556
Bottom 13.3% in <100M tier
2214
Members Per Employee (MPE)
engagement
Value:
182.000
Peer Median: -
#2214 of 2556
Bottom 13.4% in <100M tier
2193
Average Member Relationship (AMR)
engagement
Value:
$6,782
Peer Median: -
#2193 of 2556
Bottom 14.2% in <100M tier
2137
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,332
Peer Median: -
#2137 of 2556
Bottom 16.4% in <100M tier