BlastPoint's Credit Union Scorecard

PARAMOUNT BAPTIST CHURCH

Charter #24073 · DC

<100M
2508 CUs in <100M nationally 18 in DC

PARAMOUNT BAPTIST CHURCH has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?
DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.24% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Efficiency Ratio: Top 1.0% in tier
  • + Loan-to-Share Ratio: Top 1.6% in tier
  • + Net Worth Ratio: Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - ROA 20.14% below tier average
  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Total Deposits: Bottom 0.7% in tier
  • - Total Assets: Bottom 0.8% in tier
  • - Average Member Relationship (AMR): Bottom 1.2% in tier
  • - Total Loans: Bottom 2.8% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
  • - Total Members: Bottom 4.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 189
+2.2% YoY0% QoQ
 -2.5K 2,676
+1.6% YoY
 11,106
+1.6% YoY
 33,913
+5.7% YoY
 Bottom 4.3% in tier
Assets $163,704
+2.8% YoY+1.9% QoQ
 $-30.0M $30.2M
+1.3% YoY
 $410.2M
+3.1% YoY
 $578.3M
+9.0% YoY
 Bottom 0.8% in tier
Loans $102,156
-9.9% YoY-5.1% QoQ
 $-15.2M $15.3M
-2.0% YoY
 $239.7M
+1.2% YoY
 $402.4M
+8.7% YoY
 Bottom 2.8% in tier
Deposits $95,198
+8.1% YoY+1.8% QoQ
 $-25.7M $25.8M
+0.7% YoY
 $357.7M
+2.6% YoY
 $494.3M
+9.1% YoY
 Bottom 0.7% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -20.0%
-528.8% YoY-958.4% QoQ
 -20.1% 0.1%
-77.6% YoY
 -0.4%
-168.3% YoY
 0.4%
-39.2% YoY
 Bottom 0.4% in tier
NIM 4.3%
-18.3% YoY-32.8% QoQ
 +0.2% 4.0%
+4.0% YoY
 3.5%
+3.4% YoY
 3.8%
+4.1% YoY
 69%
Efficiency Ratio 28.7%
+143.0% YoY+71.7% QoQ
 -61.9% 90.6%
+6.5% YoY
 86.5%
+9.1% YoY
 84.6%
+2.8% YoY
 Top 1.0% in tier
Delinquency Rate 0.0%
-100.0% YoY
 -1.5 1.5%
+3.8% YoY
 2.3%
+3.6% YoY
 1.2%
+3.4% YoY
 Top 0.1% in tier
Loan To Share 107.3%
-16.6% YoY-6.8% QoQ
 +48.8% 58.5%
-3.0% YoY
 60.4%
-2.3% YoY
 65.6%
-1.4% YoY
 Top 1.8% in tier
AMR $1,044
-4.1% YoY-1.9% QoQ
 $-14K $14,884
-1.7% YoY
 $22,450
-2.0% YoY
 $19,920
+1.6% YoY
 Bottom 1.2% in tier
CD Concentration 0.0% -24.3% 24.3% 15.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 0.1% 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)

Comparing against 2508 peers in tier

Top Strengths (10 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
26
Efficiency Ratio
profitability
Value: 28.70%
Peer Median: 81.45%
#26 of 2508 Top 1.0% in <100M tier
42
Loan-to-Share Ratio
balance_sheet
Value: 107.31%
Peer Median: 58.72%
#42 of 2508 Top 1.6% in <100M tier
46
Net Worth Ratio
risk
Value: 41.85%
Peer Median: 14.28%
#46 of 2508 Top 1.8% in <100M tier
308
Deposit Growth Rate
growth
Value: 8.15%
Peer Median: 0.66%
#308 of 2508 Top 12.2% in <100M tier
402
Member Growth Rate
growth
Value: 2.16%
Peer Median: -1.37%
#402 of 2508 Top 16.0% 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 (11 metrics)

2508
Members Per Employee (MPE)
engagement
Value: -
Peer Median: 333.750
#2508 of 2508 Bottom 0.1% in <100M tier
2497
Return on Assets (ROA)
profitability
Value: -19.99%
Peer Median: 0.61%
#2497 of 2508 Bottom 0.5% in <100M tier
2491
Total Deposits
balance_sheet
Value: $95,198
Peer Median: $18.77M
#2491 of 2508 Bottom 0.7% in <100M tier
2488
Total Assets
balance_sheet
Value: $163,704
Peer Median: $21.86M
#2488 of 2508 Bottom 0.8% in <100M tier
2479
Average Member Relationship (AMR)
engagement
Value: $1,044
Peer Median: $13,926
#2479 of 2508 Bottom 1.2% in <100M tier
2438
Total Loans
balance_sheet
Value: $102,156
Peer Median: $9.48M
#2438 of 2508 Bottom 2.8% in <100M tier
2413
Loan-to-Member Ratio (LMR)
engagement
Value: $540.51
Peer Median: $4,923
#2413 of 2508 Bottom 3.8% in <100M tier
2398
Total Members
engagement
Value: 189
Peer Median: 1,918
#2398 of 2508 Bottom 4.4% in <100M tier
2240
Fee Income Per Member
profitability
Value: $2.12
Peer Median: $60.42
#2240 of 2508 Bottom 10.7% in <100M tier
1996
AMR Growth Rate
growth
Value: -4.06%
Peer Median: 1.27%
#1996 of 2508 Bottom 20.5% in <100M tier
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