BlastPoint's Credit Union Scorecard
MT. AIRY BAPTIST CHURCH
Charter #24219 · DC
2556 CUs in <100M nationally
18 in DC
MT. AIRY BAPTIST CHURCH has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.85% above tier average
- + Net Interest Margin 1.07% above tier average
- + 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 0.9% in tier
- + Net Charge-Off Rate: Top 1.5% in tier
- + Net Worth Ratio: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 4.0% in tier
- - Total Deposits: Bottom 4.6% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Total Members: Bottom 5.6% in tier
- - Total Assets: Bottom 5.8% in tier
- - Total Loans: Bottom 6.7% in tier
- - Average Member Relationship (AMR): Bottom 7.0% in tier
- - Fee Income Per Member: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
238
+0.8% YoY-0.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 5.6% in tier |
| Assets |
$1.0M
-4.8% YoY+0.7% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.8% in tier |
| Loans |
$426,620
-8.5% YoY+0.4% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.7% in tier |
| Deposits |
$610,070
-12.8% YoY-0.1% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.5% in tier |
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| ROA |
3.5%
+3.3% YoY-0.8% QoQ
|
+2.8% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Top 0.9% in tier |
| NIM |
5.0%
-1.8% YoY-1.9% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
31.4%
+22.8% YoY-2.2% QoQ
|
-51.1% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
0.8%
+11.0% YoY
|
-0.8 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
69.9%
+4.9% YoY+0.6% QoQ
|
+9.3% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$4,356
-11.8% YoY+0.5% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.0% 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 (9 metrics)
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
23
Efficiency Ratio
profitability
Value:
31.42%
Peer Median: -
#23 of 2556
Top 0.9% in <100M tier
24
Return on Assets (ROA)
profitability
Value:
3.47%
Peer Median: -
#24 of 2556
Top 0.9% in <100M tier
40
Net Charge-Off Rate
risk
Value:
-0.33%
Peer Median: -
#40 of 2556
Top 1.5% in <100M tier
49
Net Worth Ratio
risk
Value:
41.71%
Peer Median: -
#49 of 2556
Top 1.9% in <100M tier
357
Net Interest Margin (NIM)
profitability
Value:
5.03%
Peer Median: -
#357 of 2556
Top 13.9% in <100M tier
615
Member Growth Rate
growth
Value:
0.85%
Peer Median: -
#615 of 2556
Top 24.0% in <100M tier
Top Weaknesses (11 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2455
Deposit Growth Rate
growth
Value:
-12.79%
Peer Median: -
#2455 of 2556
Bottom 4.0% in <100M tier
2440
Total Deposits
balance_sheet
Value:
$610,070
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2436
AMR Growth Rate
growth
Value:
-11.83%
Peer Median: -
#2436 of 2556
Bottom 4.7% in <100M tier
2413
Total Members
engagement
Value:
238
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2409
Total Assets
balance_sheet
Value:
$1.05M
Peer Median: -
#2409 of 2556
Bottom 5.8% in <100M tier
2386
Total Loans
balance_sheet
Value:
$426,620
Peer Median: -
#2386 of 2556
Bottom 6.7% in <100M tier
2377
Average Member Relationship (AMR)
engagement
Value:
$4,356
Peer Median: -
#2377 of 2556
Bottom 7.0% in <100M tier
2359
Fee Income Per Member
profitability
Value:
$1.42
Peer Median: -
#2359 of 2556
Bottom 7.7% in <100M tier
2282
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,793
Peer Median: -
#2282 of 2556
Bottom 10.8% in <100M tier