BlastPoint's Credit Union Scorecard

MOUNT OLIVE BAPTIST CHURCH

Charter #24605 · TX

<100M

2508 CUs in <100M nationally 237 in TX

MOUNT OLIVE BAPTIST CHURCH faces 5 concerns requiring attention

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 3.11% below tier average
- Delinquency rate 2.25% above tier average
- Members Per Employee (MPE): Bottom 0.0% in tier
- Net Charge-Off Rate: Bottom 2.2% in tier
- Total Delinquency Rate (60+ days): Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,311 +1.2% YoY0% QoQ	-1.4K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	37%
Assets	$10.6M +0.9% YoY+0.2% QoQ	$-19.6M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	33%
Loans	$6.3M +6.3% YoY-4.1% QoQ	$-9.0M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	39%
Deposits	$8.8M +1.6% YoY+1.0% QoQ	$-17.0M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	33%

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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	-3.0% -309.8% YoY-457.9% QoQ	-3.1%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 3.4% in tier
NIM	3.3% -17.0% YoY-10.9% QoQ	-0.7%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	78.2% +49.8% YoY+53.4% QoQ	-12.4%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	3.8% -13.0% YoY-20.8% QoQ	+2.3	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 8.5% in tier
Loan To Share	71.5% +4.6% YoY-5.0% QoQ	+13.0%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	70%
AMR	$11,460 +2.3% YoY-1.2% QoQ	$-3K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	36%
CD Concentration	7.5% +123.3% YoY+40.7% QoQ	-16.7%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	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 (4 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

415

Loan Growth Rate

growth

Value: 6.26%

Peer Median: -2.36%

#415 of 2508 Top 16.5% in <100M tier

563

Member Growth Rate

growth

Value: 1.16%

Peer Median: -1.37%

#563 of 2508 Top 22.4% in <100M tier

Top Weaknesses (4 metrics)

2508

Members Per Employee (MPE)

engagement

Value: -

Peer Median: 333.750

#2508 of 2508 Bottom 0.1% in <100M tier

2453

Net Charge-Off Rate

risk

Value: 5.62%

Peer Median: 0.07%

#2453 of 2508 Bottom 2.2% in <100M tier

2423

Return on Assets (ROA)

profitability

Value: -2.96%

Peer Median: 0.61%

#2423 of 2508 Bottom 3.4% in <100M tier

2297

Total Delinquency Rate (60+ days)

risk

Value: 3.76%

Peer Median: 0.65%

#2297 of 2508 Bottom 8.5% in <100M tier