BlastPoint's Credit Union Scorecard
SCIENCE PARK
Charter #3790 · CT
SCIENCE PARK has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Efficiency ratio 17.20% above tier (higher cost structure)
- - Delinquency rate 1.70% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
597
-1.6% YoY-0.8% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$3.5M
+0.1% YoY-3.5% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.5% in tier |
| Loans |
$2.5M
-5.1% YoY-4.6% QoQ
|
$-13.2M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$2.8M
+0.2% YoY-4.4% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.8% in tier |
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| ROA |
0.0%
-37.4% YoY-40.1% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
5.2%
-3.8% YoY+3.9% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
99.8%
+7.6% YoY+0.2% QoQ
|
+17.2% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Top 11.2% in tier |
| Delinquency Rate |
3.3%
+22.5% YoY+20.1% QoQ
|
+1.7 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Top 11.5% in tier |
| Loan To Share |
90.5%
-5.3% YoY-0.1% QoQ
|
+29.9% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 9.5% in tier |
| AMR |
$8,871
-0.8% YoY-3.7% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
16.7%
+78.6% YoY-1.2% QoQ
|
-7.7% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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)