PARAMOUNT BAPTIST CHURCH

Charter #24073 | DC

<100M (2596 CUs) Micro
18 <100M in DC

PARAMOUNT BAPTIST CHURCH has 10 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.50% above tier average
  • + Net Interest Margin 3.70% 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 0.5% in tier
  • + Loan-to-Share Ratio: Top 0.9% in tier
  • + Net Worth Ratio: Top 2.0% in tier
  • + Net Charge-Off Rate: Top 9.4% 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 0.8% in tier
  • - Average Member Relationship (AMR): Bottom 1.4% in tier
  • - Total Loans: Bottom 3.1% in tier
  • - Total Members: Bottom 4.1% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
  • - Asset Growth Rate: Bottom 4.6% in tier
  • - Fee Income Per Member: Bottom 6.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 184
+0.5% YoY-1.6% QoQ
 -2.4K 2,625
-2.2% YoY
 10,992
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 4.0% in tier
Assets $159,398
-10.8% YoY+3.1% QoQ
 $-29.7M $29.9M
+1.1% YoY
 $397.3M
+10.3% YoY
 $547.7M
+7.8% YoY
 Bottom 0.7% in tier
Loans $109,527
-7.1% YoY-1.8% QoQ
 $-15.7M $15.8M
-2.4% YoY
 $237.1M
+5.6% YoY
 $388.7M
+8.6% YoY
 Bottom 3.1% in tier
Deposits $93,416
-2.3% YoY+2.8% QoQ
 $-25.4M $25.5M
+0.4% YoY
 $346.2M
+10.2% YoY
 $464.6M
+9.3% YoY
 Bottom 0.7% in tier
ROA 2.2%
-89.4% YoY-91.1% QoQ
 +1.5% 0.7%
-731.4% YoY
 0.1%
-83.6% YoY
 0.7%
+273.4% YoY
 Top 6.5% in tier
NIM 7.6%
+10.8% YoY-7.3% QoQ
 +3.7% 3.9%
+3.8% YoY
 3.6%
+4.1% YoY
 3.7%
+5.0% YoY
 Top 0.7% in tier
Efficiency Ratio 18.9%
+37.0% YoY-109.7% QoQ
 -62.5% 81.4%
-2.4% YoY
 96.2%
+5.7% YoY
 79.1%
-3.3% YoY
 Bottom 0.5% in tier
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
 2.3%
+52.4% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 117.2%
-5.0% YoY-4.5% QoQ
 +56.0% 61.2%
-3.0% YoY
 61.8%
-0.7% YoY
 68.0%
-1.7% YoY
 Top 1.1% in tier
AMR $1,103
-5.5% YoY+1.9% QoQ
 $-14K $14,627
-2.7% YoY
 $22,611
+4.7% YoY
 $19,418
+1.3% YoY
 Bottom 1.3% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 16.1%
+11.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 0.1%
-38.7% 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)

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
14
Efficiency Ratio
profitability
Value: 18.85%
Peer Avg: 81.39%
#14 of 2596 Top 0.5% in <100M tier
18
Net Interest Margin (NIM)
profitability
Value: 7.63%
Peer Avg: 3.93%
#18 of 2596 Top 0.7% in <100M tier
25
Loan-to-Share Ratio
balance_sheet
Value: 117.25%
Peer Avg: 61.23%
#25 of 2596 Top 0.9% in <100M tier
53
Net Worth Ratio
risk
Value: 41.39%
Peer Avg: 16.43%
#53 of 2596 Top 2.0% in <100M tier
168
Return on Assets (ROA)
profitability
Value: 2.18%
Peer Avg: 0.68%
#168 of 2596 Top 6.4% 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

Top Weaknesses (10 metrics)

2596
Members Per Employee (MPE)
engagement
Value: -
Peer Avg: 365.701
#2596 of 2596 Bottom 0.0% in <100M tier
2578
Total Assets
balance_sheet
Value: $159,398
Peer Avg: $29.86M
#2578 of 2596 Bottom 0.7% in <100M tier
2577
Total Deposits
balance_sheet
Value: $93,416
Peer Avg: $25.45M
#2577 of 2596 Bottom 0.8% in <100M tier
2561
Average Member Relationship (AMR)
engagement
Value: $1,103
Peer Avg: $14,627
#2561 of 2596 Bottom 1.4% in <100M tier
2516
Total Loans
balance_sheet
Value: $109,527
Peer Avg: $15.77M
#2516 of 2596 Bottom 3.1% in <100M tier
2491
Total Members
engagement
Value: 184
Peer Avg: 2,626
#2491 of 2596 Bottom 4.1% in <100M tier
2490
Loan-to-Member Ratio (LMR)
engagement
Value: $595.26
Peer Avg: $5,488
#2490 of 2596 Bottom 4.1% in <100M tier
2477
Asset Growth Rate
growth
Value: -10.76%
Peer Avg: 1.82%
#2477 of 2596 Bottom 4.6% in <100M tier
2434
Fee Income Per Member
profitability
Value: $0.46
Peer Avg: $182.96
#2434 of 2596 Bottom 6.3% in <100M tier
2175
AMR Growth Rate
growth
Value: -5.47%
Peer Avg: 4.67%
#2175 of 2596 Bottom 16.3% in <100M tier