BlastPoint's Credit Union Scorecard
KOREAN AMERICAN CATHOLICS
Charter #23503 · NY
KOREAN AMERICAN CATHOLICS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 2.0% in tier
- + Average Member Relationship (AMR): Top 3.7% in tier
- + Loan-to-Share Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 12.06% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - First Mortgage Concentration (%): Bottom 0.5% in tier
- - Asset Growth Rate: Bottom 9.9% 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 176 that size in New York.
- Shares and deposits -7.4% year over year ($26.4M in shares and deposits).
- Membership: 1,636 members, -2.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.03%.
- Efficiency ratio 100.82% vs a 88.77% peer average.
- Loan-to-share ratio 91.05% 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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,636
-2.3% YoY-1.1% QoQ
|
-949 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$30.3M
-6.7% YoY-3.6% QoQ
|
+$16K |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$24.0M
-6.5% YoY-2.0% QoQ
|
+$8.6M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$26.4M
-7.4% YoY-4.2% QoQ
|
+$602K |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.0%
-152.7% YoY-104.0% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.0% in tier |
| NIM |
3.4%
+1.4% YoY+2.8% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
100.8%
-0.7% YoY-16.7% QoQ
|
+12.1% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
91.1%
+1.0% YoY+2.4% QoQ
|
+32.2% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 8.1% in tier |
| AMR |
$30,836
-4.7% YoY-2.0% QoQ
|
+$16K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 3.7% in tier |
| CD Concentration |
32.8%
-9.4% YoY-4.6% QoQ
|
+8.3% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)