MT. AIRY BAPTIST CHURCH

Charter #24219 | DC

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

MT. AIRY BAPTIST CHURCH has 9 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.82% above tier average
  • + Net Interest Margin 1.19% 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 1.2% in tier
  • + Net Charge-Off Rate: Top 1.6% in tier
  • + Net Worth Ratio: Top 2.1% in tier

Key Concerns

Areas that may need attention

  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Deposit Growth Rate: Bottom 1.7% in tier
  • - AMR Growth Rate: Bottom 3.5% in tier
  • - Total Deposits: Bottom 4.9% in tier
  • - Asset Growth Rate: Bottom 5.6% in tier
  • - Total Assets: Bottom 5.9% in tier
  • - Total Members: Bottom 5.9% in tier
  • - Total Loans: Bottom 6.7% in tier
  • - Average Member Relationship (AMR): Bottom 7.2% in tier
  • - Fee Income Per Member: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 239
+0.8% YoY+0.8% QoQ
 -2.4K 2,625
-2.2% YoY
 10,992
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 5.7% in tier
Assets $1.0M
-9.8% YoY-7.8% QoQ
 $-28.8M $29.9M
+1.1% YoY
 $397.3M
+10.3% YoY
 $547.7M
+7.8% YoY
 Bottom 5.8% in tier
Loans $424,735
-5.1% YoY-2.7% QoQ
 $-15.3M $15.8M
-2.4% YoY
 $237.1M
+5.6% YoY
 $388.7M
+8.6% YoY
 Bottom 6.6% in tier
Deposits $610,902
-20.1% YoY-14.0% QoQ
 $-24.8M $25.5M
+0.4% YoY
 $346.2M
+10.2% YoY
 $464.6M
+9.3% YoY
 Bottom 4.9% in tier
ROA 3.5%
+19.1% YoY+14.8% QoQ
 +2.8% 0.7%
-731.4% YoY
 0.1%
-83.6% YoY
 0.7%
+273.4% YoY
 Top 1.5% in tier
NIM 5.1%
+3.7% YoY+3.7% QoQ
 +1.2% 3.9%
+3.8% YoY
 3.6%
+4.1% YoY
 3.7%
+5.0% YoY
 Top 12.0% in tier
Efficiency Ratio 32.1%
+11.9% YoY-17.0% QoQ
 -49.3% 81.4%
-2.4% YoY
 96.2%
+5.7% YoY
 79.1%
-3.3% YoY
 Bottom 1.2% in tier
Delinquency Rate 0.0%
-100.0% QoQ
 -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 69.5%
+18.8% YoY+13.2% QoQ
 +8.3% 61.2%
-3.0% YoY
 61.8%
-0.7% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $4,333
-15.3% YoY-10.5% QoQ
 $-10K $14,627
-2.7% YoY
 $22,611
+4.7% YoY
 $19,418
+1.3% YoY
 Bottom 7.2% 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 (9 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
33
Efficiency Ratio
profitability
Value: 32.11%
Peer Avg: 81.39%
#33 of 2596 Top 1.2% in <100M tier
39
Return on Assets (ROA)
profitability
Value: 3.50%
Peer Avg: 0.68%
#39 of 2596 Top 1.5% in <100M tier
42
Net Charge-Off Rate
risk
Value: -0.35%
Peer Avg: 0.57%
#42 of 2596 Top 1.6% in <100M tier
55
Net Worth Ratio
risk
Value: 41.24%
Peer Avg: 16.43%
#55 of 2596 Top 2.1% in <100M tier
311
Net Interest Margin (NIM)
profitability
Value: 5.12%
Peer Avg: 3.93%
#311 of 2596 Top 11.9% in <100M tier

Top Weaknesses (11 metrics)

2596
Members Per Employee (MPE)
engagement
Value: -
Peer Avg: 365.701
#2596 of 2596 Bottom 0.0% in <100M tier
2554
Deposit Growth Rate
growth
Value: -20.12%
Peer Avg: 16.80%
#2554 of 2596 Bottom 1.7% in <100M tier
2507
AMR Growth Rate
growth
Value: -15.30%
Peer Avg: 4.67%
#2507 of 2596 Bottom 3.5% in <100M tier
2470
Total Deposits
balance_sheet
Value: $610,902
Peer Avg: $25.45M
#2470 of 2596 Bottom 4.9% in <100M tier
2452
Asset Growth Rate
growth
Value: -9.84%
Peer Avg: 1.82%
#2452 of 2596 Bottom 5.6% in <100M tier
2445
Total Assets
balance_sheet
Value: $1.04M
Peer Avg: $29.86M
#2445 of 2596 Bottom 5.9% in <100M tier
2444
Total Members
engagement
Value: 239
Peer Avg: 2,626
#2444 of 2596 Bottom 5.9% in <100M tier
2424
Total Loans
balance_sheet
Value: $424,735
Peer Avg: $15.77M
#2424 of 2596 Bottom 6.7% in <100M tier
2410
Average Member Relationship (AMR)
engagement
Value: $4,333
Peer Avg: $14,627
#2410 of 2596 Bottom 7.2% in <100M tier
2380
Fee Income Per Member
profitability
Value: $1.41
Peer Avg: $182.96
#2380 of 2596 Bottom 8.4% in <100M tier