BlastPoint's Credit Union Scorecard
KOREAN CATHOLIC
Charter #22700 · MD
KOREAN CATHOLIC has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 63.17% above tier (higher cost structure)
- - Member decline: -13.9% YoY
- - Asset Growth Rate: Bottom 2.0% in tier
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Loan Growth Rate: Bottom 3.2% in tier
- - Member Growth Rate: Bottom 3.5% in tier
- - Total Members: Bottom 7.7% in tier
- - Total Assets: Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits -16.9% year over year ($1.5M in shares and deposits).
- Membership: 290 members, -13.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.59%.
- Efficiency ratio 151.93% vs a 88.77% peer average.
- Loan-to-share ratio 46.90% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
290
-13.9% YoY-3.0% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 7.6% in tier |
| Assets |
$1.7M
-16.1% YoY-9.8% QoQ
|
$-28.5M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.0% in tier |
| Loans |
$716,450
-28.0% YoY-7.4% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.2% in tier |
| Deposits |
$1.5M
-16.9% YoY-10.6% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.4% in tier |
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| ROA |
1.6%
+57.1% YoY-261.7% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
3.3%
+11.4% YoY+2.9% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
151.9%
+39.9% YoY+11.0% QoQ
|
+63.2% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
46.9%
-13.4% YoY+3.7% QoQ
|
-12.0% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$7,738
-8.0% YoY-6.8% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
19.2%
+620.7% YoY+11.7% QoQ
|
-5.3% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)