BlastPoint's Credit Union Scorecard
WAYLAND TEMPLE BAPTIST
Charter #22007 · PA
WAYLAND TEMPLE BAPTIST faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 2.91% below tier average
- - Efficiency ratio 114.82% above tier (higher cost structure)
- - Member decline: -5.1% YoY
- - Loan Growth Rate: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75
-5.1% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 0.6% in tier |
| Assets |
$190,512
-6.7% YoY+1.4% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.0% in tier |
| Loans | $0.0 | $-15.3M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$161,678
-7.9% YoY+2.5% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.2% in tier |
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| ROA |
-2.8%
-290.1% YoY-345.5% QoQ
|
-2.9% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.5% in tier |
| NIM |
2.6%
-23.4% YoY-22.1% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio |
205.4%
+245.6% YoY+204.6% QoQ
|
+114.8% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate | - | - |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
- |
| Loan To Share | 0.0% | -58.5% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$2,156
-3.0% YoY+2.5% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | - | - | 13.8% | 8.3% | 7.7% | - |
Signature Analysis
Strengths (0)
Concerns (0)
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)