BlastPoint's Credit Union Scorecard
PARISH
Charter #2935 · OH
PARISH has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 4.2% in tier
- + Deposit Growth Rate: Top 4.6% in tier
- + AMR Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 5.31% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,779
-1.2% YoY+0.3% QoQ
|
-846 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$25.2M
+13.5% YoY+6.8% QoQ
|
$-4.7M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$10.7M
+8.6% YoY+1.2% QoQ
|
$-5.1M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$22.0M
+13.6% YoY+7.1% QoQ
|
$-3.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
0.6%
-6.6% YoY-3.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
3.8%
-4.6% YoY-0.1% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
86.7%
+0.5% YoY+0.5% QoQ
|
+5.3% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.5% in tier |
| Loan To Share |
48.7%
-4.4% YoY-5.5% QoQ
|
-12.5% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$18,379
+13.3% YoY+4.8% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
15.9%
-13.2% YoY-11.4% QoQ
|
-8.5% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)