MESSIAH BAPTIST-JUBILEE
Charter #24043 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
MESSIAH BAPTIST-JUBILEE has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.40% above tier average
- + Net Interest Margin 1.58% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.1% in tier
- + AMR Growth Rate: Top 8.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.0% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 4.7% in tier
- - Total Members: Bottom 5.4% in tier
- - Total Assets: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.4% in tier
- - Total Deposits: Bottom 6.4% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
- - Loan-to-Share Ratio: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
226
-5.0% YoY-1.3% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 5.3% in tier |
| Assets |
$1.1M
+8.8% YoY+4.5% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.2% in tier |
| Loans |
$250,884
+0.8% YoY-5.7% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.6% in tier |
| Deposits |
$864,730
+6.9% YoY+4.2% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.4% in tier |
| ROA |
4.1%
+12.9% YoY-5.1% QoQ
|
+3.4% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 1.2% in tier |
| NIM |
5.5%
+24.7% YoY-0.6% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
30.0%
+34.9% YoY+8.7% QoQ
|
-51.4% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate | 1.3% | -0.2 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
68th in tier |
| Loan To Share |
29.0%
-5.7% YoY-9.5% QoQ
|
-32.2% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.1% in tier |
| AMR |
$4,936
+11.1% YoY+3.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
8.4%
-6.5% YoY-4.0% QoQ
|
-16.0% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
29
Efficiency Ratio
profitability
Value:
30.03%
Peer Avg: 81.39%
#29 of 2596
Top 1.1% in <100M tier
30
Return on Assets (ROA)
profitability
Value:
4.09%
Peer Avg: 0.68%
#30 of 2596
Top 1.1% in <100M tier
186
Net Interest Margin (NIM)
profitability
Value:
5.51%
Peer Avg: 3.93%
#186 of 2596
Top 7.1% in <100M tier
208
AMR Growth Rate
growth
Value:
11.07%
Peer Avg: 4.67%
#208 of 2596
Top 8.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
281
Asset Growth Rate
growth
Value:
8.80%
Peer Avg: 1.82%
#281 of 2596
Top 10.8% in <100M tier
436
Deposit Growth Rate
growth
Value:
6.92%
Peer Avg: 16.80%
#436 of 2596
Top 16.8% in <100M tier
472
Net Worth Ratio
risk
Value:
21.35%
Peer Avg: 16.43%
#472 of 2596
Top 18.1% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2476
Total Loans
balance_sheet
Value:
$250,884
Peer Avg: $15.77M
#2476 of 2596
Bottom 4.7% in <100M tier
2458
Total Members
engagement
Value:
226
Peer Avg: 2,626
#2458 of 2596
Bottom 5.4% in <100M tier
2436
Total Assets
balance_sheet
Value:
$1.10M
Peer Avg: $29.86M
#2436 of 2596
Bottom 6.2% in <100M tier
2431
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,110
Peer Avg: $5,488
#2431 of 2596
Bottom 6.4% in <100M tier
2431
Total Deposits
balance_sheet
Value:
$864,730
Peer Avg: $25.45M
#2431 of 2596
Bottom 6.4% in <100M tier
2358
Average Member Relationship (AMR)
engagement
Value:
$4,936
Peer Avg: $14,627
#2358 of 2596
Bottom 9.2% in <100M tier
2355
Loan-to-Share Ratio
balance_sheet
Value:
29.01%
Peer Avg: 61.23%
#2355 of 2596
Bottom 9.3% in <100M tier
2161
Member Growth Rate
growth
Value:
-5.04%
Peer Avg: 14.92%
#2161 of 2596
Bottom 16.8% in <100M tier
1984
Fee Income Per Member
profitability
Value:
$15.52
Peer Avg: $182.96
#1984 of 2596
Bottom 23.6% in <100M tier