BlastPoint's Credit Union Scorecard
KOREAN AMERICAN CATHOLICS
Charter #23503 · NY
KOREAN AMERICAN CATHOLICS has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + Average Member Relationship (AMR): Top 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 16.04% above tier (higher cost structure)
- - Member decline: -5.3% YoY
- - First Mortgage Concentration (%): Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 8.1% in tier
- - Deposit Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,601
-5.3% YoY-4.1% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$31.9M
-7.5% YoY-0.1% QoQ
|
+$1.8M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$24.8M
-4.7% YoY-1.5% QoQ
|
+$9.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$27.9M
-8.5% YoY+0.1% QoQ
|
+$2.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA | 0.1% | -0.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.5%
+9.5% YoY+1.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
98.6%
-2.3% YoY-2.1% QoQ
|
+16.0% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate |
0.0%
-99.5% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 12.1% in tier |
| Loan To Share |
88.9%
+4.2% YoY-1.6% QoQ
|
+28.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 11.1% in tier |
| AMR |
$32,941
-1.5% YoY+3.6% QoQ
|
+$18K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 2.9% in tier |
| CD Concentration |
36.1%
+3.8% YoY-0.6% QoQ
|
+11.6% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)