BlastPoint's Credit Union Scorecard
EAST END BAPTIST TABERNACLE
Charter #23896 · CT
2596 CUs in <100M nationally
45 in CT
EAST END BAPTIST TABERNACLE has 7 strengths but faces 13 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
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.3% in tier
- + Loan Growth Rate: Top 9.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 10.26% above tier (higher cost structure)
- - Member decline: -21.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Total Assets: Bottom 0.7% in tier
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - Total Loans: Bottom 0.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
- - Total Deposits: Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 1.1% in tier
- - Member Growth Rate: Bottom 1.5% in tier
- - Total Members: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
195
-21.4% YoY+0.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 4.6% in tier |
| Assets |
$148,861
-0.4% YoY-6.7% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.6% in tier |
| Loans |
$6,298
+11.3% YoY-0.9% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.8% in tier |
| Deposits |
$127,840
-0.2% YoY-7.5% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.0% in tier |
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| ROA |
0.3%
-82.0% YoY-70.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
0.9%
-68.9% YoY-23.4% QoQ
|
-3.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
91.7%
+50.4% YoY+16.2% QoQ
|
+10.3% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
4.9%
+11.5% YoY+7.1% QoQ
|
-56.3% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.9% in tier |
| AMR |
$687.9
+27.6% YoY-7.7% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
35
AMR Growth Rate
growth
Value:
27.60%
Peer Avg: -
#35 of 2596
Top 1.3% in <100M tier
234
Loan Growth Rate
growth
Value:
11.29%
Peer Avg: -
#234 of 2596
Top 9.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (12 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2581
Average Member Relationship (AMR)
engagement
Value:
$687.89
Peer Avg: -
#2581 of 2596
Bottom 0.6% in <100M tier
2580
Total Assets
balance_sheet
Value:
$148,861
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2578
Net Interest Margin (NIM)
profitability
Value:
0.92%
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2575
Total Loans
balance_sheet
Value:
$6,298
Peer Avg: -
#2575 of 2596
Bottom 0.8% in <100M tier
2574
Loan-to-Member Ratio (LMR)
engagement
Value:
$32.30
Peer Avg: -
#2574 of 2596
Bottom 0.9% in <100M tier
2571
Total Deposits
balance_sheet
Value:
$127,840
Peer Avg: -
#2571 of 2596
Bottom 1.0% in <100M tier
2568
Loan-to-Share Ratio
balance_sheet
Value:
4.93%
Peer Avg: -
#2568 of 2596
Bottom 1.1% in <100M tier
2558
Member Growth Rate
growth
Value:
-21.37%
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2477
Total Members
engagement
Value:
195
Peer Avg: -
#2477 of 2596
Bottom 4.6% in <100M tier