BlastPoint's Credit Union Scorecard
EAST END BAPTIST TABERNACLE
Charter #23896 · CT
<100M
2508 CUs in <100M nationally
43 in CT
EAST END BAPTIST TABERNACLE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 15.99% above tier (higher cost structure)
- - Member decline: -8.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.4% in tier
- - Total Assets: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Total Loans: Bottom 0.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
197
-8.4% YoY+0.5% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
Bottom 4.7% in tier |
| Assets |
$131,587
-18.2% YoY-2.6% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.6% in tier |
| Loans |
$4,920
+37.1% YoY-23.1% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.7% in tier |
| Deposits |
$110,721
-21.1% YoY-3.0% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.7% in tier |
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| ROA |
-0.1%
-74.3% YoY-195.6% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
1.6%
-23.4% YoY+51.2% QoQ
|
-2.4% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
106.6%
-6.7% YoY+11.6% QoQ
|
+16.0% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
4.4%
+73.8% YoY-20.8% QoQ
|
-54.1% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.8% in tier |
| AMR |
$587.0
-12.3% YoY-4.5% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 7.7% | 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
35
Loan Growth Rate
growth
Value:
37.09%
Peer Median: -2.36%
#35 of 2508
Top 1.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (16 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2498
Average Member Relationship (AMR)
engagement
Value:
$587.01
Peer Median: $13,926
#2498 of 2508
Bottom 0.4% in <100M tier
2494
Total Assets
balance_sheet
Value:
$131,587
Peer Median: $21.86M
#2494 of 2508
Bottom 0.6% in <100M tier
2492
Loan-to-Member Ratio (LMR)
engagement
Value:
$24.97
Peer Median: $4,923
#2492 of 2508
Bottom 0.7% in <100M tier
2491
Total Loans
balance_sheet
Value:
$4,920
Peer Median: $9.48M
#2491 of 2508
Bottom 0.7% in <100M tier
2490
Total Deposits
balance_sheet
Value:
$110,721
Peer Median: $18.77M
#2490 of 2508
Bottom 0.8% in <100M tier
2485
Loan-to-Share Ratio
balance_sheet
Value:
4.44%
Peer Median: 58.72%
#2485 of 2508
Bottom 1.0% in <100M tier
2479
Deposit Growth Rate
growth
Value:
-21.11%
Peer Median: 0.66%
#2479 of 2508
Bottom 1.2% in <100M tier
2478
Asset Growth Rate
growth
Value:
-18.20%
Peer Median: 1.30%
#2478 of 2508
Bottom 1.2% in <100M tier
2449
Net Interest Margin (NIM)
profitability
Value:
1.59%
Peer Median: 3.83%
#2449 of 2508
Bottom 2.4% in <100M tier