BlastPoint's Credit Union Scorecard
PARAMOUNT BAPTIST CHURCH
Charter #24073 · DC
2596 CUs in <100M nationally
18 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 |
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| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
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 (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
14
Efficiency Ratio
profitability
Value:
18.85%
Peer Avg: -
#14 of 2596
Top 0.5% in <100M tier
18
Net Interest Margin (NIM)
profitability
Value:
7.63%
Peer Avg: -
#18 of 2596
Top 0.7% in <100M tier
25
Loan-to-Share Ratio
balance_sheet
Value:
117.25%
Peer Avg: -
#25 of 2596
Top 0.9% in <100M tier
53
Net Worth Ratio
risk
Value:
41.39%
Peer Avg: -
#53 of 2596
Top 2.0% in <100M tier
168
Return on Assets (ROA)
profitability
Value:
2.18%
Peer Avg: -
#168 of 2596
Top 6.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2578
Total Assets
balance_sheet
Value:
$159,398
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2577
Total Deposits
balance_sheet
Value:
$93,416
Peer Avg: -
#2577 of 2596
Bottom 0.8% in <100M tier
2561
Average Member Relationship (AMR)
engagement
Value:
$1,103
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2516
Total Loans
balance_sheet
Value:
$109,527
Peer Avg: -
#2516 of 2596
Bottom 3.1% in <100M tier
2491
Total Members
engagement
Value:
184
Peer Avg: -
#2491 of 2596
Bottom 4.1% in <100M tier
2490
Loan-to-Member Ratio (LMR)
engagement
Value:
$595.26
Peer Avg: -
#2490 of 2596
Bottom 4.1% in <100M tier
2477
Asset Growth Rate
growth
Value:
-10.76%
Peer Avg: -
#2477 of 2596
Bottom 4.6% in <100M tier
2434
Fee Income Per Member
profitability
Value:
$0.46
Peer Avg: -
#2434 of 2596
Bottom 6.3% in <100M tier
2175
AMR Growth Rate
growth
Value:
-5.47%
Peer Avg: -
#2175 of 2596
Bottom 16.3% in <100M tier