BlastPoint's Credit Union Scorecard
STEPPING STONES COMMUNITY
Charter #24845 · DE
STEPPING STONES COMMUNITY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 7.05% above tier average
- + Asset Growth Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 0.5% in tier
- + Fee Income Per Member: Top 1.0% in tier
- + Net Worth Ratio: Top 1.1% in tier
- + Members Per Employee (MPE): Top 1.4% in tier
- + AMR Growth Rate: Top 2.7% in tier
- + Efficiency Ratio: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 9.06% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
- - First Mortgage Concentration (%): Bottom 5.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 9 that size in Delaware.
- Shares and deposits +10.9% year over year ($4.3M in shares and deposits).
- Membership: 2,770 members, +3.9% vs a year ago.
- Delinquency rate 10.61%.
- Return on assets 8.54%.
- Efficiency ratio 45.87% vs a 88.77% peer average.
- Loan-to-share ratio 39.22% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,770
+3.9% YoY+1.8% QoQ
|
+184 |
2,585
-1.7% YoY
|
17,843
+5.5% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$8.3M
+41.6% YoY-2.9% QoQ
|
$-22.0M |
$30.3M
+1.5% YoY
|
$212.9M
+9.3% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$1.7M
+91.4% YoY+14.9% QoQ
|
$-13.8M |
$15.5M
-1.7% YoY
|
$132.7M
+10.6% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$4.3M
+10.9% YoY-4.7% QoQ
|
$-21.5M |
$25.8M
+1.1% YoY
|
$188.9M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
8.5%
-55.9% YoY-57.5% QoQ
|
+7.1% |
1.5%
+241.5% YoY
|
1.1%
-28.8% YoY
|
1.2%
+121.4% YoY
|
Top 1.0% in tier |
| NIM |
3.3%
-14.1% YoY-2.9% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.5%
+5.6% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
45.9%
+74.7% YoY+64.6% QoQ
|
-42.9% |
88.8%
-6.9% YoY
|
79.3%
-0.3% YoY
|
83.0%
-5.3% YoY
|
Top 2.8% in tier |
| Delinquency Rate |
10.6%
-55.0% YoY-14.4% QoQ
|
+9.1 |
1.5%
+2.1% YoY
|
2.3%
-27.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.1% in tier |
| Loan To Share |
39.2%
+72.6% YoY+20.6% QoQ
|
-19.7% |
58.9%
-3.1% YoY
|
47.6%
-0.9% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$2,172
+21.0% YoY-1.6% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$14,118
+1.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.9% in tier |
| CD Concentration | 0.0% | -24.5% | 24.6% | 13.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.1% | 7.7% | 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)