BlastPoint's Credit Union Scorecard

EPISCOPAL COMMUNITY

Charter #24506 · CA

<100M

2508 CUs in <100M nationally 92 in CA

EPISCOPAL COMMUNITY has 1 strength but faces 5 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ AMR Growth Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.28% below tier average
- Delinquency rate 0.60% above tier average
- Member decline: -4.7% YoY
- Net Worth Ratio: Bottom 3.8% in tier
- Net Charge-Off Rate: Bottom 4.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	985 -4.7% YoY-1.4% QoQ	-1.7K	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	28%
Assets	$6.6M +5.7% YoY-2.4% QoQ	$-23.6M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	24%
Loans	$1.8M +3.7% YoY+1.4% QoQ	$-13.4M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	17%
Deposits	$6.0M +6.7% YoY-2.4% QoQ	$-19.7M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -151.7% YoY-129.4% QoQ	-0.3%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	18%
NIM	4.0% +10.1% YoY+4.7% QoQ	+0.0%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	88.0% -6.6% YoY+0.6% QoQ	-2.6%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	2.1% -61.6% YoY-37.9% QoQ	+0.6	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	82%
Loan To Share	30.5% -2.8% YoY+4.0% QoQ	-28.0%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 12.0% in tier
AMR	$7,995 +11.2% YoY-0.2% QoQ	$-7K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	19%
CD Concentration	0.0%	-24.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

194

AMR Growth Rate

growth

Value: 11.25%

Peer Median: 1.27%

#194 of 2508 Top 7.7% in <100M tier

379

Members Per Employee (MPE)

engagement

Value: 492.500

Peer Median: 333.750

#379 of 2508 Top 15.1% in <100M tier

420

Deposit Growth Rate

growth

Value: 6.70%

Peer Median: 0.66%

#420 of 2508 Top 16.7% in <100M tier

521

Asset Growth Rate

growth

Value: 5.69%

Peer Median: 1.30%

#521 of 2508 Top 20.7% in <100M tier

616

Loan Growth Rate

growth

Value: 3.68%

Peer Median: -2.36%

#616 of 2508 Top 24.5% in <100M tier

Top Weaknesses (10 metrics)

2414

Net Worth Ratio

risk

Value: 7.67%

Peer Median: 14.28%

#2414 of 2508 Bottom 3.8% in <100M tier

2398

Net Charge-Off Rate

risk

Value: 2.73%

Peer Median: 0.07%

#2398 of 2508 Bottom 4.4% in <100M tier

2209

Loan-to-Member Ratio (LMR)

engagement

Value: $1,867

Peer Median: $4,923

#2209 of 2508 Bottom 12.0% in <100M tier

2204

Loan-to-Share Ratio

balance_sheet

Value: 30.46%

Peer Median: 58.72%

#2204 of 2508 Bottom 12.2% in <100M tier

2085

Total Loans

balance_sheet

Value: $1.84M

Peer Median: $9.48M

#2085 of 2508 Bottom 16.9% in <100M tier

2062

Total Delinquency Rate (60+ days)

risk

Value: 2.11%

Peer Median: 0.65%

#2062 of 2508 Bottom 17.8% in <100M tier

2056

Member Growth Rate

growth

Value: -4.74%

Peer Median: -1.37%

#2056 of 2508 Bottom 18.1% in <100M tier

2043

Return on Assets (ROA)

profitability

Value: -0.14%

Peer Median: 0.61%

#2043 of 2508 Bottom 18.6% in <100M tier

2038

Average Member Relationship (AMR)

engagement

Value: $7,995

Peer Median: $13,926

#2038 of 2508 Bottom 18.8% in <100M tier

1907

Total Assets

balance_sheet

Value: $6.63M

Peer Median: $21.86M

#1907 of 2508 Bottom 24.0% in <100M tier