BlastPoint's Credit Union Scorecard
SCIENCE PARK
Charter #3790 · CT
SCIENCE PARK has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.98% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 10.17% above tier (higher cost structure)
- - Delinquency rate 3.15% above tier average
- - Member decline: -3.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
591
-3.6% YoY-1.0% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$3.7M
+0.8% YoY+4.9% QoQ
|
$-26.5M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 15.0% in tier |
| Loans |
$2.5M
-5.3% YoY-2.3% QoQ
|
$-12.8M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$3.0M
+1.1% YoY+6.3% QoQ
|
$-22.8M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA | -0.0% | -0.2% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
5.0%
-1.8% YoY-3.2% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 12.0% in tier |
| Efficiency Ratio |
100.8%
+1.4% YoY+1.0% QoQ
|
+10.2% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate |
4.7%
+88.2% YoY+42.8% QoQ
|
+3.1 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.5% in tier |
| Loan To Share |
83.2%
-6.4% YoY-8.1% QoQ
|
+24.7% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Top 14.9% in tier |
| AMR |
$9,162
+1.7% YoY+3.3% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
16.0%
+13.8% YoY-4.3% QoQ
|
-8.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 7.7% | 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)