BlastPoint's Credit Union Scorecard
KOREAN CATHOLIC
Charter #22700 · MD
KOREAN CATHOLIC has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 43.87% above tier (higher cost structure)
- - Member decline: -11.1% YoY
- - Loan Growth Rate: Bottom 3.7% in tier
- - Member Growth Rate: Bottom 4.5% in tier
- - Total Members: Bottom 8.0% in tier
- - Total Assets: Bottom 9.7% in tier
- - Members Per Employee (MPE): Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
304
-11.1% YoY-2.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$2.0M
-1.1% YoY+2.8% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.6% in tier |
| Loans |
$895,986
-24.4% YoY-3.7% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.4% in tier |
| Deposits |
$1.8M
-1.4% YoY+3.3% QoQ
|
$-23.9M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.8% in tier |
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| ROA |
-0.2%
-88.8% YoY-125.4% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.8% in tier |
| NIM |
3.1%
-2.7% YoY-0.8% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
126.4%
-4.3% YoY+18.0% QoQ
|
+43.9% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Top 3.2% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
49.6%
-23.3% YoY-6.8% QoQ
|
-11.0% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$8,884
+0.7% YoY+3.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
14.6%
-3.2% QoQ
|
-9.8% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)