BlastPoint's Credit Union Scorecard
STEPPING STONES COMMUNITY
Charter #24845 · DE
<100M
2508 CUs in <100M nationally
9 in DE
STEPPING STONES COMMUNITY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 19.95% above tier average
- + Fee Income Per Member: Top 0.3% in tier
- + Asset Growth Rate: Top 0.4% in tier
- + Loan Growth Rate: Top 0.6% in tier
- + Efficiency Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 1.2% in tier
- + Members Per Employee (MPE): Top 1.7% in tier
- + AMR Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 10.88% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Average Member Relationship (AMR): Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - First Mortgage Concentration (%): Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,722
+3.7% YoY-1.3% QoQ
|
+45 |
2,676
+1.6% YoY
|
16,940
+7.4% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$8.5M
+46.4% YoY+9.9% QoQ
|
$-21.7M |
$30.2M
+1.3% YoY
|
$214.1M
+16.8% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$1.5M
+69.2% YoY+36.9% QoQ
|
$-13.8M |
$15.3M
-2.0% YoY
|
$130.7M
+18.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.7% in tier |
| Deposits |
$4.5M
+13.3% YoY+21.6% QoQ
|
$-21.2M |
$25.8M
+0.7% YoY
|
$190.3M
+16.8% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
20.1%
-38.4% YoY-32.9% QoQ
|
+19.9% |
0.1%
-77.6% YoY
|
1.6%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Top 0.1% in tier |
| NIM |
3.4%
-16.9% YoY+16.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+6.1% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
27.9%
+59.9% YoY+54.7% QoQ
|
-62.8% |
90.6%
+6.5% YoY
|
78.7%
-23.9% YoY
|
84.6%
+2.8% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
12.4%
+19.9% YoY+161.9% QoQ
|
+10.9 |
1.5%
+3.8% YoY
|
2.3%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.6% in tier |
| Loan To Share |
32.5%
+49.4% YoY+12.5% QoQ
|
-26.0% |
58.5%
-3.0% YoY
|
46.7%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.9% in tier |
| AMR |
$2,208
+18.9% YoY+26.8% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$14,274
+3.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.3% in tier |
| CD Concentration | 0.0% | -24.2% | 24.3% | 13.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 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)
Top Strengths (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
3
Return on Assets (ROA)
profitability
Value:
20.09%
Peer Median: 0.61%
#3 of 2508
Top 0.1% in <100M tier
8
Fee Income Per Member
profitability
Value:
$764.09
Peer Median: $60.42
#8 of 2508
Top 0.3% in <100M tier
12
Asset Growth Rate
growth
Value:
46.39%
Peer Median: 1.30%
#12 of 2508
Top 0.4% in <100M tier
16
Loan Growth Rate
growth
Value:
69.22%
Peer Median: -2.36%
#16 of 2508
Top 0.6% in <100M tier
23
Efficiency Ratio
profitability
Value:
27.87%
Peer Median: 81.45%
#23 of 2508
Top 0.9% in <100M tier
32
Net Worth Ratio
risk
Value:
46.45%
Peer Median: 14.28%
#32 of 2508
Top 1.2% in <100M tier
43
Members Per Employee (MPE)
engagement
Value:
907.333
Peer Median: 333.750
#43 of 2508
Top 1.7% in <100M tier
84
AMR Growth Rate
growth
Value:
18.87%
Peer Median: 1.27%
#84 of 2508
Top 3.3% in <100M tier
114
Net Charge-Off Rate
risk
Value:
-0.34%
Peer Median: 0.07%
#114 of 2508
Top 4.5% in <100M tier
Top Weaknesses (7 metrics)
2468
Total Delinquency Rate (60+ days)
risk
Value:
12.39%
Peer Median: 0.65%
#2468 of 2508
Bottom 1.6% in <100M tier
2426
Average Member Relationship (AMR)
engagement
Value:
$2,208
Peer Median: $13,926
#2426 of 2508
Bottom 3.3% in <100M tier
2412
Loan-to-Member Ratio (LMR)
engagement
Value:
$542.01
Peer Median: $4,923
#2412 of 2508
Bottom 3.9% in <100M tier
2355
First Mortgage Concentration (%)
balance_sheet
Value:
55.25%
Peer Median: 3.66%
#2355 of 2508
Bottom 6.1% in <100M tier
2157
Loan-to-Share Ratio
balance_sheet
Value:
32.53%
Peer Median: 58.72%
#2157 of 2508
Bottom 14.0% in <100M tier
2139
Total Loans
balance_sheet
Value:
$1.48M
Peer Median: $9.48M
#2139 of 2508
Bottom 14.8% in <100M tier
1982
Total Deposits
balance_sheet
Value:
$4.53M
Peer Median: $18.77M
#1982 of 2508
Bottom 21.0% in <100M tier