SCIENCE PARK

Charter #3790 | CT

<100M (2596 CUs) Micro
45 <100M in CT

SCIENCE PARK has 3 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 1.03% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.66% below tier average
  • - Efficiency ratio 18.18% above tier (higher cost structure)
  • - Delinquency rate 1.20% above tier average
  • - Member decline: -4.6% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 602
-4.6% YoY-0.2% QoQ
 -2.0K 2,625
-2.2% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 Bottom 16.3% in tier
Assets $3.7M
+1.1% YoY-2.4% QoQ
 $-26.2M $29.9M
+1.1% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 Bottom 15.3% in tier
Loans $2.6M
+3.6% YoY+0.4% QoQ
 $-13.1M $15.8M
-2.4% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 Bottom 21.5% in tier
Deposits $2.9M
+1.4% YoY-2.9% QoQ
 $-22.5M $25.5M
+0.4% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 Bottom 15.5% in tier
ROA 0.0%
+155.5% YoY-174.3% QoQ
 -0.7% 0.7%
-731.4% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 Bottom 17.2% in tier
NIM 5.0%
-6.3% YoY+2.8% QoQ
 +1.0% 3.9%
+3.8% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 15.1% in tier
Efficiency Ratio 99.6%
+9.8% YoY-1.0% QoQ
 +18.2% 81.4%
-2.4% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 Top 11.6% in tier
Delinquency Rate 2.7%
-4.8% YoY+4.4% QoQ
 +1.2 1.5%
-2.0% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 Top 13.9% in tier
Loan To Share 90.6%
+2.2% YoY+3.4% QoQ
 +29.4% 61.2%
-3.0% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 Top 10.4% in tier
AMR $9,212
+7.4% YoY-1.2% QoQ
 $-5K $14,627
-2.7% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 Bottom 25.0% in tier
CD Concentration 16.9%
+103.9% YoY+19.1% QoQ
 -7.5% 24.4%
+4.2% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
267
Loan-to-Share Ratio
balance_sheet
Value: 90.63%
Peer Avg: 61.23%
#267 of 2596 Top 10.2% in <100M tier
391
Net Interest Margin (NIM)
profitability
Value: 4.96%
Peer Avg: 3.93%
#391 of 2596 Top 15.0% in <100M tier
413
AMR Growth Rate
growth
Value: 7.39%
Peer Avg: 4.67%
#413 of 2596 Top 15.9% in <100M tier
526
Net Worth Ratio
risk
Value: 20.65%
Peer Avg: 16.43%
#526 of 2596 Top 20.2% in <100M tier
647
Loan Growth Rate
growth
Value: 3.65%
Peer Avg: 59.01%
#647 of 2596 Top 24.9% in <100M tier

Top Weaknesses (8 metrics)

2297
Efficiency Ratio
profitability
Value: 99.58%
Peer Avg: 81.39%
#2297 of 2596 Bottom 11.6% in <100M tier
2236
Total Delinquency Rate (60+ days)
risk
Value: 2.71%
Peer Avg: 1.51%
#2236 of 2596 Bottom 13.9% in <100M tier
2200
Total Assets
balance_sheet
Value: $3.67M
Peer Avg: $29.86M
#2200 of 2596 Bottom 15.3% in <100M tier
2194
Total Deposits
balance_sheet
Value: $2.91M
Peer Avg: $25.45M
#2194 of 2596 Bottom 15.5% in <100M tier
2172
Total Members
engagement
Value: 602
Peer Avg: 2,626
#2172 of 2596 Bottom 16.4% in <100M tier
2149
Return on Assets (ROA)
profitability
Value: 0.02%
Peer Avg: 0.68%
#2149 of 2596 Bottom 17.3% in <100M tier
2095
Member Growth Rate
growth
Value: -4.60%
Peer Avg: 14.92%
#2095 of 2596 Bottom 19.3% in <100M tier
2038
Total Loans
balance_sheet
Value: $2.64M
Peer Avg: $15.77M
#2038 of 2596 Bottom 21.5% in <100M tier