BlastPoint's Credit Union Scorecard
KOREAN CATHOLIC
Charter #22700 · MD
KOREAN CATHOLIC has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 46.25% above tier (higher cost structure)
- - Member decline: -15.8% YoY
- - Loan Growth Rate: Bottom 2.7% in tier
- - Member Growth Rate: Bottom 2.8% in tier
- - Asset Growth Rate: Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 7.3% in tier
- - Total Members: Bottom 8.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
299
-15.8% YoY-1.6% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$1.9M
-9.2% YoY-5.2% QoQ
|
$-28.3M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.1% in tier |
| Loans |
$773,326
-30.5% YoY-13.7% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.5% in tier |
| Deposits |
$1.7M
-9.5% YoY-5.3% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.5% in tier |
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| ROA |
-1.0%
-138.6% YoY+469.1% QoQ
|
-1.1% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.5% in tier |
| NIM |
3.2%
+15.6% YoY+5.5% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
136.9%
+50.9% YoY+8.3% QoQ
|
+46.3% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
45.2%
-23.2% YoY-8.9% QoQ
|
-13.3% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$8,302
-1.8% YoY-6.6% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
17.2%
+17.6% QoQ
|
-7.1% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 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)