BlastPoint's Credit Union Scorecard
MT. AIRY BAPTIST CHURCH
Charter #24219 · DC
MT. AIRY BAPTIST CHURCH has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.19% above tier average
- + Net Interest Margin 0.51% above tier average
- + Efficiency Ratio: Top 1.4% in tier
- + Net Worth Ratio: Top 1.7% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Deposits: Bottom 4.4% in tier
- - Deposit Growth Rate: Bottom 5.1% in tier
- - Total Assets: Bottom 5.7% in tier
- - Total Members: Bottom 5.8% in tier
- - Total Loans: Bottom 6.3% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
- - Average Member Relationship (AMR): Bottom 7.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in D.C..
- Shares and deposits -12.2% year over year ($624K in shares and deposits).
- Membership: 235 members, -0.8% vs a year ago.
- Delinquency rate 1.55%.
- Return on assets 2.68%.
- Efficiency ratio 39.60% vs a 88.77% peer average.
- Loan-to-share ratio 62.56% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
235
-0.8% YoY-1.3% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
Bottom 5.7% in tier |
| Assets |
$1.1M
-4.7% YoY+0.7% QoQ
|
$-29.2M |
$30.3M
+1.5% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.7% in tier |
| Loans |
$390,129
-10.6% YoY-4.4% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.3% in tier |
| Deposits |
$623,625
-12.2% YoY+0.5% QoQ
|
$-25.2M |
$25.8M
+1.1% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.3% in tier |
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| ROA |
2.7%
-11.9% YoY-25.8% QoQ
|
+1.2% |
1.5%
+241.5% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
Top 4.8% in tier |
| NIM |
4.4%
-10.8% YoY-3.4% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
39.6%
+2.4% YoY+85.4% QoQ
|
-49.2% |
88.8%
-6.9% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
Top 1.4% in tier |
| Delinquency Rate |
1.6%
+1169.6% YoY+22.3% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
62.6%
+1.8% YoY-4.9% QoQ
|
+3.7% |
58.9%
-3.1% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$4,314
-10.9% YoY-0.2% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.9% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 0.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)