BlastPoint's Credit Union Scorecard
KOREAN CATHOLIC
Charter #22700 · MD
KOREAN CATHOLIC has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.00% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 25.71% above tier (higher cost structure)
- - Member decline: -9.1% YoY
- - Loan Growth Rate: Bottom 4.0% in tier
- - Member Growth Rate: Bottom 7.0% in tier
- - Total Members: Bottom 8.4% in tier
- - Total Assets: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
311
-9.1% YoY-7.7% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.3% in tier |
| Assets |
$2.0M
-4.6% YoY-4.6% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.6% in tier |
| Loans |
$930,297
-25.0% YoY-6.6% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.0% in tier |
| Deposits |
$1.7M
-5.5% YoY-5.0% QoQ
|
$-23.7M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.0% in tier |
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| ROA |
0.7%
-135.0% YoY-32.7% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
3.1%
-2.9% YoY+3.4% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
107.1%
-23.0% YoY-1.4% QoQ
|
+25.7% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
53.3%
-20.6% YoY-1.7% QoQ
|
-8.0% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$8,607
-4.6% YoY+2.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
15.1%
+467.0% QoQ
|
-9.3% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50% |
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)