BlastPoint's Credit Union Scorecard
STEPPING STONES COMMUNITY
Charter #24845 · DE
2596 CUs in <100M nationally
9 in DE
STEPPING STONES COMMUNITY has 10 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 38.71% above tier average
- + Strong member growth: 8.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.3% in tier
- + Fee Income Per Member: Top 0.3% in tier
- + Net Worth Ratio: Top 1.3% in tier
- + Members Per Employee (MPE): Top 1.7% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + Member Growth Rate: Top 3.9% in tier
- + Loan Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 18.73% above tier average
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.5% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,696
+8.5% YoY+1.2% QoQ
|
+70 |
2,625
-2.2% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$7.0M
+18.8% YoY+20.0% QoQ
|
$-22.9M |
$29.9M
+1.1% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$854,913
+16.4% YoY-3.5% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.4% in tier |
| Deposits |
$3.8M
-13.3% YoY-3.4% QoQ
|
$-21.7M |
$25.5M
+0.4% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
39.4%
+80.4% YoY+103.5% QoQ
|
+38.7% |
0.7%
-731.4% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
Top 0.1% in tier |
| NIM |
3.5%
-19.6% YoY-10.9% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
13.9%
-64.9% YoY-47.0% QoQ
|
-67.5% |
81.4%
-2.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate |
20.2%
+20.0% YoY-14.2% QoQ
|
+18.7 |
1.5%
-2.0% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.2% in tier |
| Loan To Share |
22.7%
+34.2% YoY-0.1% QoQ
|
-38.5% |
61.2%
-3.0% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.7% in tier |
| AMR |
$1,714
-16.1% YoY-4.5% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.3% in tier |
| CD Concentration |
0.0%
+15.4% YoY+3.5% QoQ
|
-24.4% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
3
Return on Assets (ROA)
profitability
Value:
39.40%
Peer Avg: -
#3 of 2596
Top 0.1% in <100M tier
8
Efficiency Ratio
profitability
Value:
13.91%
Peer Avg: -
#8 of 2596
Top 0.3% in <100M tier
10
Fee Income Per Member
profitability
Value:
$1,065
Peer Avg: -
#10 of 2596
Top 0.3% in <100M tier
34
Net Worth Ratio
risk
Value:
45.92%
Peer Avg: -
#34 of 2596
Top 1.3% in <100M tier
46
Members Per Employee (MPE)
engagement
Value:
898.667
Peer Avg: -
#46 of 2596
Top 1.7% in <100M tier
54
Asset Growth Rate
growth
Value:
18.77%
Peer Avg: -
#54 of 2596
Top 2.0% in <100M tier
103
Member Growth Rate
growth
Value:
8.53%
Peer Avg: -
#103 of 2596
Top 3.9% in <100M tier
132
Loan Growth Rate
growth
Value:
16.35%
Peer Avg: -
#132 of 2596
Top 5.0% in <100M tier
588
Share Certificate Concentration (%)
balance_sheet
Value:
0.05%
Peer Avg: -
#588 of 2596
Top 22.6% in <100M tier
Top Weaknesses (10 metrics)
2583
Net Charge-Off Rate
risk
Value:
19.07%
Peer Avg: -
#2583 of 2596
Bottom 0.5% in <100M tier
2567
Total Delinquency Rate (60+ days)
risk
Value:
20.24%
Peer Avg: -
#2567 of 2596
Bottom 1.2% in <100M tier
2537
Average Member Relationship (AMR)
engagement
Value:
$1,714
Peer Avg: -
#2537 of 2596
Bottom 2.3% in <100M tier
2533
Loan-to-Member Ratio (LMR)
engagement
Value:
$317.10
Peer Avg: -
#2533 of 2596
Bottom 2.5% in <100M tier
2515
AMR Growth Rate
growth
Value:
-16.14%
Peer Avg: -
#2515 of 2596
Bottom 3.2% in <100M tier
2487
Deposit Growth Rate
growth
Value:
-13.28%
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2445
Loan-to-Share Ratio
balance_sheet
Value:
22.71%
Peer Avg: -
#2445 of 2596
Bottom 5.9% in <100M tier
2335
First Mortgage Concentration (%)
balance_sheet
Value:
44.73%
Peer Avg: -
#2335 of 2596
Bottom 10.1% in <100M tier
2325
Total Loans
balance_sheet
Value:
$854,913
Peer Avg: -
#2325 of 2596
Bottom 10.5% in <100M tier
2117
Total Deposits
balance_sheet
Value:
$3.77M
Peer Avg: -
#2117 of 2596
Bottom 18.5% in <100M tier