BlastPoint's Credit Union Scorecard
MT. AIRY BAPTIST CHURCH
Charter #24219 · DC
<100M
2508 CUs in <100M nationally
18 in DC
MT. AIRY BAPTIST CHURCH has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.47% above tier average
- + Net Interest Margin 0.56% above tier average
- + Efficiency Ratio: Top 0.5% in tier
- + Net Worth Ratio: Top 1.8% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 3.2% in tier
- - Total Deposits: Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Total Members: Bottom 5.8% in tier
- - Total Assets: Bottom 5.9% in tier
- - Total Loans: Bottom 6.7% in tier
- - Average Member Relationship (AMR): Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
238
+0.8% YoY0% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
Bottom 5.7% in tier |
| Assets |
$1.1M
-5.6% YoY+1.9% QoQ
|
$-29.1M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.8% in tier |
| Loans |
$408,288
-8.0% YoY-4.3% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.7% in tier |
| Deposits |
$620,602
-14.1% YoY+1.7% QoQ
|
$-25.2M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
3.6%
+34.2% YoY+4.2% QoQ
|
+3.5% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
Top 1.4% in tier |
| NIM |
4.6%
-10.7% YoY-9.2% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
21.4%
-55.0% YoY-32.0% QoQ
|
-69.3% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
1.3%
+615.2% YoY+62.4% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
65.8%
+7.1% YoY-5.9% QoQ
|
+7.3% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$4,323
-12.5% YoY-0.8% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.9% 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)
Top Strengths (9 metrics)
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
13
Efficiency Ratio
profitability
Value:
21.36%
Peer Median: 81.45%
#13 of 2508
Top 0.5% in <100M tier
35
Return on Assets (ROA)
profitability
Value:
3.62%
Peer Median: 0.61%
#35 of 2508
Top 1.4% in <100M tier
47
Net Worth Ratio
risk
Value:
41.83%
Peer Median: 14.28%
#47 of 2508
Top 1.8% in <100M tier
106
Net Charge-Off Rate
risk
Value:
-0.37%
Peer Median: 0.07%
#106 of 2508
Top 4.2% in <100M tier
539
Net Interest Margin (NIM)
profitability
Value:
4.56%
Peer Median: 3.83%
#539 of 2508
Top 21.5% in <100M tier
625
Member Growth Rate
growth
Value:
0.85%
Peer Median: -1.37%
#625 of 2508
Top 24.9% 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
2428
Deposit Growth Rate
growth
Value:
-14.13%
Peer Median: 0.66%
#2428 of 2508
Bottom 3.2% in <100M tier
2395
Total Deposits
balance_sheet
Value:
$620,602
Peer Median: $18.77M
#2395 of 2508
Bottom 4.5% in <100M tier
2390
AMR Growth Rate
growth
Value:
-12.55%
Peer Median: 1.27%
#2390 of 2508
Bottom 4.7% in <100M tier
2363
Total Members
engagement
Value:
238
Peer Median: 1,918
#2363 of 2508
Bottom 5.8% in <100M tier
2362
Total Assets
balance_sheet
Value:
$1.07M
Peer Median: $21.86M
#2362 of 2508
Bottom 5.9% in <100M tier
2340
Total Loans
balance_sheet
Value:
$408,288
Peer Median: $9.48M
#2340 of 2508
Bottom 6.7% in <100M tier
2334
Average Member Relationship (AMR)
engagement
Value:
$4,323
Peer Median: $13,926
#2334 of 2508
Bottom 7.0% in <100M tier
2273
Fee Income Per Member
profitability
Value:
$1.55
Peer Median: $60.42
#2273 of 2508
Bottom 9.4% in <100M tier
2241
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,715
Peer Median: $4,923
#2241 of 2508
Bottom 10.7% in <100M tier