BlastPoint's Credit Union Scorecard
MT. AIRY BAPTIST CHURCH
Charter #24219 · DC
2596 CUs in <100M nationally
18 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 |
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| 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
|
62% |
| 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
|
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 (9 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
33
Efficiency Ratio
profitability
Value:
32.11%
Peer Avg: -
#33 of 2596
Top 1.2% in <100M tier
39
Return on Assets (ROA)
profitability
Value:
3.50%
Peer Avg: -
#39 of 2596
Top 1.5% in <100M tier
42
Net Charge-Off Rate
risk
Value:
-0.35%
Peer Avg: -
#42 of 2596
Top 1.6% in <100M tier
55
Net Worth Ratio
risk
Value:
41.24%
Peer Avg: -
#55 of 2596
Top 2.1% in <100M tier
311
Net Interest Margin (NIM)
profitability
Value:
5.12%
Peer Avg: -
#311 of 2596
Top 11.9% in <100M tier
Top Weaknesses (11 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2554
Deposit Growth Rate
growth
Value:
-20.12%
Peer Avg: -
#2554 of 2596
Bottom 1.7% in <100M tier
2507
AMR Growth Rate
growth
Value:
-15.30%
Peer Avg: -
#2507 of 2596
Bottom 3.5% in <100M tier
2470
Total Deposits
balance_sheet
Value:
$610,902
Peer Avg: -
#2470 of 2596
Bottom 4.9% in <100M tier
2452
Asset Growth Rate
growth
Value:
-9.84%
Peer Avg: -
#2452 of 2596
Bottom 5.6% in <100M tier
2445
Total Assets
balance_sheet
Value:
$1.04M
Peer Avg: -
#2445 of 2596
Bottom 5.9% in <100M tier
2444
Total Members
engagement
Value:
239
Peer Avg: -
#2444 of 2596
Bottom 5.9% in <100M tier
2424
Total Loans
balance_sheet
Value:
$424,735
Peer Avg: -
#2424 of 2596
Bottom 6.7% in <100M tier
2410
Average Member Relationship (AMR)
engagement
Value:
$4,333
Peer Avg: -
#2410 of 2596
Bottom 7.2% in <100M tier
2380
Fee Income Per Member
profitability
Value:
$1.41
Peer Avg: -
#2380 of 2596
Bottom 8.4% in <100M tier