BlastPoint's Credit Union Scorecard
MOUNT OLIVE BAPTIST CHURCH
Charter #24605 · TX
MOUNT OLIVE BAPTIST CHURCH has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.19% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,311
+2.0% YoY0% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$10.5M
+1.0% YoY-4.7% QoQ
|
$-19.6M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$6.5M
+7.9% YoY-2.2% QoQ
|
$-9.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$8.7M
+0.5% YoY-4.4% QoQ
|
$-17.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.8%
-53.3% YoY-14.5% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.7%
-0.6% YoY-0.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
51.0%
+5.3% YoY-1.3% QoQ
|
-31.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate |
4.7%
+6.1% YoY+142.7% QoQ
|
+3.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 6.7% in tier |
| Loan To Share |
75.3%
+7.4% YoY+2.3% QoQ
|
+14.7% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$11,599
+1.5% YoY-3.5% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
5.4%
+62.2% YoY+10.6% QoQ
|
-19.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)