BlastPoint's Credit Union Scorecard
FIRST BAPTIST CHURCH (STRATFORD)
Charter #21614 · CT
<100M
2508 CUs in <100M nationally
43 in CT
FIRST BAPTIST CHURCH (STRATFORD) has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Strong member growth: 38.1% YoY
- + Member Growth Rate: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 79.07% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
- - Total Assets: Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.9% in tier
- - Average Member Relationship (AMR): Bottom 2.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
214
+38.1% YoY+38.1% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
Bottom 5.1% in tier |
| Assets |
$340,384
-2.1% YoY-1.2% QoQ
|
$-29.9M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.7% in tier |
| Loans |
$51,000
-35.5% YoY-7.8% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.0% in tier |
| Deposits |
$313,527
-2.6% YoY-1.4% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.4% in tier |
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| ROA |
1.3%
+165.9% YoY+584.9% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
3.0%
+1.7% YoY+11.3% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
59.1%
-29.0% YoY-35.7% QoQ
|
-31.5% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Top 11.0% in tier |
| Delinquency Rate |
80.6%
+3981.9% QoQ
|
+79.1 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.5% in tier |
| Loan To Share |
16.3%
-33.8% YoY-6.5% QoQ
|
-42.2% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.4% in tier |
| AMR |
$1,703
-34.2% YoY-29.3% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 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 (7 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
20
Member Growth Rate
growth
Value:
38.06%
Peer Median: -1.37%
#20 of 2508
Top 0.8% in <100M tier
278
Efficiency Ratio
profitability
Value:
59.09%
Peer Median: 81.45%
#278 of 2508
Top 11.0% 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
533
Return on Assets (ROA)
profitability
Value:
1.28%
Peer Median: 0.61%
#533 of 2508
Top 21.2% in <100M tier
Top Weaknesses (14 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2496
Total Delinquency Rate (60+ days)
risk
Value:
80.58%
Peer Median: 0.65%
#2496 of 2508
Bottom 0.5% in <100M tier
2491
AMR Growth Rate
growth
Value:
-34.15%
Peer Median: 1.27%
#2491 of 2508
Bottom 0.7% in <100M tier
2466
Loan Growth Rate
growth
Value:
-35.52%
Peer Median: -2.36%
#2466 of 2508
Bottom 1.7% in <100M tier
2465
Total Assets
balance_sheet
Value:
$340,384
Peer Median: $21.86M
#2465 of 2508
Bottom 1.8% in <100M tier
2462
Loan-to-Member Ratio (LMR)
engagement
Value:
$238.32
Peer Median: $4,923
#2462 of 2508
Bottom 1.9% in <100M tier
2458
Average Member Relationship (AMR)
engagement
Value:
$1,703
Peer Median: $13,926
#2458 of 2508
Bottom 2.0% in <100M tier
2457
Total Loans
balance_sheet
Value:
$51,000
Peer Median: $9.48M
#2457 of 2508
Bottom 2.1% in <100M tier
2449
Total Deposits
balance_sheet
Value:
$313,527
Peer Median: $18.77M
#2449 of 2508
Bottom 2.4% in <100M tier
2421
Loan-to-Share Ratio
balance_sheet
Value:
16.27%
Peer Median: 58.72%
#2421 of 2508
Bottom 3.5% in <100M tier