BlastPoint's Credit Union Scorecard

STEPPING STONES COMMUNITY

Charter #24845 · DE

2556 CUs in <100M nationally 9 in DE

STEPPING STONES COMMUNITY has 10 strengths but faces 9 concerns

National Analysis

How does the industry compare?
DE Analysis

How does DE stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 29.31% above tier average
  • + Strong member growth: 9.1% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 0.3% in tier
  • + Efficiency Ratio: Top 0.4% in tier
  • + Asset Growth Rate: Top 0.4% in tier
  • + Loan Growth Rate: Top 0.9% in tier
  • + Net Worth Ratio: Top 1.3% in tier
  • + Members Per Employee (MPE): Top 1.4% in tier
  • + Member Growth Rate: Top 3.2% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 3.17% above tier average
  • - Net Charge-Off Rate: Bottom 0.8% in tier
  • - Average Member Relationship (AMR): Bottom 2.2% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
  • - AMR Growth Rate: Bottom 6.0% in tier
  • - Deposit Growth Rate: Bottom 6.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 6.8% in tier
  • - First Mortgage Concentration (%): Bottom 9.5% in tier
  • - Loan-to-Share Ratio: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Members 2,759
+9.1% YoY+2.3% QoQ
 +143 2,615
-1.9% YoY
 17,002
+8.0% YoY
 33,374
+5.7% YoY
 64%
Assets $7.7M
+40.6% YoY+10.6% QoQ
 $-22.4M $30.1M
+2.1% YoY
 $210.6M
+17.0% YoY
 $561.6M
+9.7% YoY
 27%
Loans $1.1M
+44.3% YoY+26.1% QoQ
 $-14.7M $15.8M
-1.3% YoY
 $130.5M
+17.1% YoY
 $397.0M
+8.8% YoY
 Bottom 11.8% in tier
Deposits $3.7M
-10.6% YoY-1.0% QoQ
 $-22.0M $25.7M
+1.4% YoY
 $186.4M
+17.6% YoY
 $477.3M
+9.7% YoY
 18%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 29.9%
+145.5% YoY-24.0% QoQ
 +29.3% 0.6%
+10.8% YoY
 2.3%
+136.3% YoY
 0.7%
+15.9% YoY
 Top 0.1% in tier
NIM 2.9%
-30.5% YoY-15.0% QoQ
 -1.0% 4.0%
+4.0% YoY
 3.4%
+5.3% YoY
 3.8%
+5.1% YoY
 17%
Efficiency Ratio 18.0%
-58.0% YoY+29.5% QoQ
 -64.5% 82.6%
-2.3% YoY
 76.4%
-7.9% YoY
 79.7%
-3.3% YoY
 Bottom 0.4% in tier
Delinquency Rate 4.7%
-68.5% YoY-76.6% QoQ
 +3.2 1.6%
-3.1% YoY
 1.8%
-3.1% YoY
 1.3%
-2.1% YoY
 Top 6.8% in tier
Loan To Share 28.9%
+61.4% YoY+27.3% QoQ
 -31.7% 60.6%
-3.1% YoY
 48.0%
+1.1% YoY
 67.4%
-1.7% YoY
 Bottom 9.4% in tier
AMR $1,742
-10.4% YoY+1.7% QoQ
 $-13K $14,783
-1.4% YoY
 $14,177
+3.6% YoY
 $19,687
+2.0% YoY
 Bottom 2.2% in tier
CD Concentration 0.0%
+12.0% YoY+1.0% QoQ
 -24.4% 24.4% 13.2% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.6% 7.8% 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)

Comparing against 2556 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
3
Return on Assets (ROA)
profitability
Value: 29.94%
Peer Median: -
#3 of 2556 Top 0.1% in <100M tier
8
Fee Income Per Member
profitability
Value: $986.08
Peer Median: -
#8 of 2556 Top 0.3% in <100M tier
12
Efficiency Ratio
profitability
Value: 18.02%
Peer Median: -
#12 of 2556 Top 0.4% in <100M tier
12
Asset Growth Rate
growth
Value: 40.63%
Peer Median: -
#12 of 2556 Top 0.4% in <100M tier
24
Loan Growth Rate
growth
Value: 44.27%
Peer Median: -
#24 of 2556 Top 0.9% in <100M tier
33
Net Worth Ratio
risk
Value: 45.52%
Peer Median: -
#33 of 2556 Top 1.3% in <100M tier
36
Members Per Employee (MPE)
engagement
Value: 919.667
Peer Median: -
#36 of 2556 Top 1.4% in <100M tier
84
Member Growth Rate
growth
Value: 9.05%
Peer Median: -
#84 of 2556 Top 3.2% in <100M tier
572
Share Certificate Concentration (%)
balance_sheet
Value: 0.05%
Peer Median: -
#572 of 2556 Top 22.3% in <100M tier

Top Weaknesses (11 metrics)

2536
Net Charge-Off Rate
risk
Value: 10.67%
Peer Median: -
#2536 of 2556 Bottom 0.8% in <100M tier
2501
Average Member Relationship (AMR)
engagement
Value: $1,742
Peer Median: -
#2501 of 2556 Bottom 2.2% in <100M tier
2490
Loan-to-Member Ratio (LMR)
engagement
Value: $390.70
Peer Median: -
#2490 of 2556 Bottom 2.6% in <100M tier
2404
AMR Growth Rate
growth
Value: -10.40%
Peer Median: -
#2404 of 2556 Bottom 6.0% in <100M tier
2397
Deposit Growth Rate
growth
Value: -10.62%
Peer Median: -
#2397 of 2556 Bottom 6.3% in <100M tier
2383
Total Delinquency Rate (60+ days)
risk
Value: 4.73%
Peer Median: -
#2383 of 2556 Bottom 6.8% in <100M tier
2314
First Mortgage Concentration (%)
balance_sheet
Value: 46.35%
Peer Median: -
#2314 of 2556 Bottom 9.5% in <100M tier
2313
Loan-to-Share Ratio
balance_sheet
Value: 28.91%
Peer Median: -
#2313 of 2556 Bottom 9.5% in <100M tier
2254
Total Loans
balance_sheet
Value: $1.08M
Peer Median: -
#2254 of 2556 Bottom 11.9% in <100M tier
2112
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Median: -
#2112 of 2556 Bottom 17.4% in <100M tier
Link copied to clipboard!