BlastPoint's Credit Union Scorecard
EAST END BAPTIST TABERNACLE
Charter #23896 · CT
2556 CUs in <100M nationally
43 in CT
EAST END BAPTIST TABERNACLE has 6 strengths but faces 15 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
- + Loan Growth Rate: Top 1.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 12.97% above tier (higher cost structure)
- - Member decline: -21.3% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.5% in tier
- - Total Assets: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Total Loans: Bottom 0.9% in tier
- - Net Interest Margin (NIM): Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 1.1% in tier
- - Deposit Growth Rate: Bottom 1.3% in tier
- - Member Growth Rate: Bottom 1.8% in tier
- - Total Members: Bottom 4.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
196
-21.3% YoY+0.5% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 4.6% in tier |
| Assets |
$135,042
-21.2% YoY-9.3% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.5% in tier |
| Loans |
$6,401
+40.5% YoY+1.6% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.8% in tier |
| Deposits |
$114,135
-24.2% YoY-10.7% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.8% in tier |
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| ROA |
0.1%
-75.1% YoY-49.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
1.1%
-62.2% YoY+14.9% QoQ
|
-2.9% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.9% in tier |
| Efficiency Ratio |
95.5%
+13.0% YoY+4.2% QoQ
|
+13.0% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
5.6%
+85.3% YoY+13.8% QoQ
|
-55.0% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.9% in tier |
| AMR |
$615.0
-1.3% YoY-10.6% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
27
Loan Growth Rate
growth
Value:
40.47%
Peer Median: -
#27 of 2556
Top 1.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (15 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2544
Average Member Relationship (AMR)
engagement
Value:
$614.98
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2543
Total Assets
balance_sheet
Value:
$135,042
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2538
Loan-to-Member Ratio (LMR)
engagement
Value:
$32.66
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2535
Total Deposits
balance_sheet
Value:
$114,135
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2535
Total Loans
balance_sheet
Value:
$6,401
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2533
Net Interest Margin (NIM)
profitability
Value:
1.05%
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2530
Loan-to-Share Ratio
balance_sheet
Value:
5.61%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2529
Asset Growth Rate
growth
Value:
-21.17%
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2525
Deposit Growth Rate
growth
Value:
-24.20%
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier