BlastPoint's Credit Union Scorecard
PARAMOUNT BAPTIST CHURCH
Charter #24073 · DC
2556 CUs in <100M nationally
18 in DC
PARAMOUNT BAPTIST CHURCH has 10 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.71% above tier average
- + Net Interest Margin 2.37% above tier average
- + 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
- + Efficiency Ratio: Top 0.4% in tier
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 2.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 1.2% in tier
- - Total Loans: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- - Total Members: Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
189
+2.2% YoY+2.7% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 4.3% in tier |
| Assets |
$160,639
-4.8% YoY+0.8% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.7% in tier |
| Loans |
$107,700
-7.8% YoY-1.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.9% in tier |
| Deposits |
$93,513
+1.4% YoY+0.1% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.7% in tier |
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| ROA |
2.3%
-79.7% YoY+6.7% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Top 3.6% in tier |
| NIM |
6.3%
-5.6% YoY-17.1% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
16.7%
-57.4% YoY-11.3% QoQ
|
-65.8% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
115.2%
-9.1% YoY-1.8% QoQ
|
+54.6% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
Top 1.1% in tier |
| AMR |
$1,065
-5.8% YoY-3.5% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 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 (11 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
10
Efficiency Ratio
profitability
Value:
16.72%
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
25
Loan-to-Share Ratio
balance_sheet
Value:
115.17%
Peer Median: -
#25 of 2556
Top 0.9% in <100M tier
52
Net Worth Ratio
risk
Value:
40.95%
Peer Median: -
#52 of 2556
Top 2.0% in <100M tier
70
Net Interest Margin (NIM)
profitability
Value:
6.33%
Peer Median: -
#70 of 2556
Top 2.7% in <100M tier
92
Return on Assets (ROA)
profitability
Value:
2.33%
Peer Median: -
#92 of 2556
Top 3.6% 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 (10 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2538
Total Assets
balance_sheet
Value:
$160,639
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2538
Total Deposits
balance_sheet
Value:
$93,513
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2526
Average Member Relationship (AMR)
engagement
Value:
$1,065
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2483
Total Loans
balance_sheet
Value:
$107,700
Peer Median: -
#2483 of 2556
Bottom 2.9% in <100M tier
2455
Loan-to-Member Ratio (LMR)
engagement
Value:
$569.84
Peer Median: -
#2455 of 2556
Bottom 4.0% in <100M tier
2446
Total Members
engagement
Value:
189
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2419
Fee Income Per Member
profitability
Value:
$0.43
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2213
AMR Growth Rate
growth
Value:
-5.78%
Peer Median: -
#2213 of 2556
Bottom 13.5% in <100M tier
2190
Asset Growth Rate
growth
Value:
-4.84%
Peer Median: -
#2190 of 2556
Bottom 14.4% in <100M tier