BlastPoint's Credit Union Scorecard
FIRST BAPTIST CHURCH (STRATFORD)
Charter #21614 · CT
2556 CUs in <100M nationally
43 in CT
FIRST BAPTIST CHURCH (STRATFORD) has 6 strengths but faces 15 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
- + AMR Growth Rate: Top 1.1% in tier
- + Net Charge-Off Rate: Top 3.4% in tier
- + Loan Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 9.36% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - Member decline: -24.8% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 1.4% in tier
- - Total Assets: Bottom 1.9% in tier
- - Total Loans: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Total Deposits: Bottom 2.5% in tier
- - Total Members: Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Net Worth Ratio: Bottom 3.5% in tier
- - Loan-to-Share Ratio: Bottom 3.8% in tier
- - Fee Income Per Member: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
155
-24.8% YoY-27.9% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 3.1% in tier |
| Assets |
$344,432
-2.9% YoY-0.2% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.8% in tier |
| Loans |
$55,318
+16.9% YoY-10.9% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.2% in tier |
| Deposits |
$318,046
-3.3% YoY-0.3% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.4% in tier |
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| ROA |
0.2%
-76.6% YoY-22.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
2.7%
-15.1% YoY-0.5% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio |
91.9%
+26.1% YoY+0.8% QoQ
|
+9.4% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
2.0%
+101.3% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
17.4%
+21.0% YoY-10.7% QoQ
|
-43.2% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.6% in tier |
| AMR |
$2,409
+31.8% YoY+35.9% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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 (6 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
30
AMR Growth Rate
growth
Value:
31.85%
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
88
Net Charge-Off Rate
risk
Value:
-0.10%
Peer Median: -
#88 of 2556
Top 3.4% in <100M tier
129
Loan Growth Rate
growth
Value:
16.94%
Peer Median: -
#129 of 2556
Top 5.0% in <100M tier
Top Weaknesses (17 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2520
Member Growth Rate
growth
Value:
-24.76%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2509
Total Assets
balance_sheet
Value:
$344,432
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2501
Total Loans
balance_sheet
Value:
$55,318
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2497
Loan-to-Member Ratio (LMR)
engagement
Value:
$356.89
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2494
Total Deposits
balance_sheet
Value:
$318,046
Peer Median: -
#2494 of 2556
Bottom 2.5% in <100M tier
2475
Total Members
engagement
Value:
155
Peer Median: -
#2475 of 2556
Bottom 3.2% in <100M tier
2471
Average Member Relationship (AMR)
engagement
Value:
$2,409
Peer Median: -
#2471 of 2556
Bottom 3.4% in <100M tier
2467
Net Worth Ratio
risk
Value:
7.65%
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2461
Loan-to-Share Ratio
balance_sheet
Value:
17.39%
Peer Median: -
#2461 of 2556
Bottom 3.8% in <100M tier