BlastPoint's Credit Union Scorecard
EPISCOPAL COMMUNITY
Charter #24506 · CA
EPISCOPAL COMMUNITY has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + AMR Growth Rate: Top 3.9% in tier
- + Deposit Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency ratio 4.93% above tier (higher cost structure)
- - Delinquency rate 1.84% above tier average
- - Member decline: -3.8% YoY
- - Net Worth Ratio: Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
999
-3.8% YoY-1.6% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$6.8M
+14.7% YoY+8.8% QoQ
|
$-23.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$1.8M
+4.9% YoY+0.3% QoQ
|
$-13.9M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$6.2M
+14.8% YoY+10.2% QoQ
|
$-19.5M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.5%
-248.7% YoY-3.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.9%
+4.8% YoY+0.7% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
87.5%
-16.0% YoY+0.2% QoQ
|
+4.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
3.4%
-61.5% YoY+697.2% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 11.1% in tier |
| Loan To Share |
29.3%
-8.6% YoY-9.0% QoQ
|
-31.3% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.7% in tier |
| AMR |
$8,008
+16.9% YoY+9.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)