BlastPoint's Credit Union Scorecard
SCIENCE PARK
Charter #3790 · 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
|
16% |
| 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
|
15% |
| 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
|
22% |
| 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
|
16% |
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| 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
|
17% |
| 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
|
85% |
| 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
|
25% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% 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)