BlastPoint's Credit Union Scorecard
FIRST BAPTIST CHURCH (STRATFORD)
Charter #21614 · CT
2596 CUs in <100M nationally
45 in CT
FIRST BAPTIST CHURCH (STRATFORD) has 6 strengths but faces 13 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
- + Loan Growth Rate: Top 0.3% in tier
- + AMR Growth Rate: Top 2.2% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 9.79% above tier (higher cost structure)
- - Member decline: -3.6% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Fee Income Per Member: Bottom 0.7% in tier
- - Total Assets: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Total Loans: Bottom 2.4% in tier
- - Average Member Relationship (AMR): Bottom 2.5% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Net Worth Ratio: Bottom 3.2% in tier
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Total Members: Bottom 5.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
215
-3.6% YoY+38.7% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 5.0% in tier |
| Assets |
$345,268
+7.6% YoY-2.6% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.0% in tier |
| Loans |
$62,117
+85.5% YoY-5.9% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.3% in tier |
| Deposits |
$319,095
+8.1% YoY-2.7% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.5% in tier |
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| ROA |
0.2%
-80.3% YoY-50.2% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
2.7%
-26.7% YoY-6.6% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio |
91.2%
+41.0% YoY+9.4% QoQ
|
+9.8% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.0%
+55.6% YoY
|
-0.5 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
19.5%
+71.7% YoY-3.3% QoQ
|
-41.8% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.4% in tier |
| AMR |
$1,773
+20.3% YoY-30.3% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
8
Loan Growth Rate
growth
Value:
85.55%
Peer Avg: -
#8 of 2596
Top 0.3% in <100M tier
58
AMR Growth Rate
growth
Value:
20.29%
Peer Avg: -
#58 of 2596
Top 2.2% in <100M tier
79
Net Charge-Off Rate
risk
Value:
-0.18%
Peer Avg: -
#79 of 2596
Top 3.0% in <100M tier
336
Deposit Growth Rate
growth
Value:
8.09%
Peer Avg: -
#336 of 2596
Top 12.9% in <100M tier
372
Asset Growth Rate
growth
Value:
7.57%
Peer Avg: -
#372 of 2596
Top 14.3% in <100M tier
Top Weaknesses (12 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2578
Fee Income Per Member
profitability
Value:
$-0.50
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2544
Total Assets
balance_sheet
Value:
$345,268
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2536
Loan-to-Member Ratio (LMR)
engagement
Value:
$288.92
Peer Avg: -
#2536 of 2596
Bottom 2.3% in <100M tier
2535
Total Loans
balance_sheet
Value:
$62,117
Peer Avg: -
#2535 of 2596
Bottom 2.4% in <100M tier
2533
Average Member Relationship (AMR)
engagement
Value:
$1,773
Peer Avg: -
#2533 of 2596
Bottom 2.5% in <100M tier
2530
Total Deposits
balance_sheet
Value:
$319,095
Peer Avg: -
#2530 of 2596
Bottom 2.6% in <100M tier
2513
Net Worth Ratio
risk
Value:
7.57%
Peer Avg: -
#2513 of 2596
Bottom 3.2% in <100M tier
2479
Loan-to-Share Ratio
balance_sheet
Value:
19.47%
Peer Avg: -
#2479 of 2596
Bottom 4.5% in <100M tier
2465
Total Members
engagement
Value:
215
Peer Avg: -
#2465 of 2596
Bottom 5.1% in <100M tier