BlastPoint's Credit Union Scorecard
ABYSSINIAN BAPTIST CHURCH
Charter #4170 · NY
2556 CUs in <100M nationally
183 in NY
ABYSSINIAN BAPTIST CHURCH has 3 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Efficiency ratio 31.19% above tier (higher cost structure)
- - Member decline: -4.8% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 1.4% in tier
- - Net Worth Ratio: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
- - Loan-to-Share Ratio: Bottom 3.5% in tier
- - Total Loans: Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 4.9% in tier
- - Total Assets: Bottom 5.6% in tier
- - Total Deposits: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
- - Total Members: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
337
-4.8% YoY-5.1% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 8.9% in tier |
| Assets |
$1.0M
-8.2% YoY-2.4% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.5% in tier |
| Loans |
$159,267
-26.5% YoY-3.5% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.8% in tier |
| Deposits |
$939,754
-3.1% YoY-0.6% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.7% in tier |
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| ROA |
-0.4%
-110.5% YoY-119.1% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.1% in tier |
| NIM |
2.6%
-26.1% YoY-37.7% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.0% in tier |
| Efficiency Ratio |
113.8%
+236.4% YoY+114.9% QoQ
|
+31.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.4% in tier |
| Delinquency Rate |
1.5%
-87.1% YoY-19.2% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
16.9%
-24.2% YoY-2.9% QoQ
|
-43.7% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.4% in tier |
| AMR |
$3,261
-2.7% YoY+4.2% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
Top Weaknesses (18 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2520
Net Charge-Off Rate
risk
Value:
5.95%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2479
Net Worth Ratio
risk
Value:
7.55%
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2478
Loan Growth Rate
growth
Value:
-26.53%
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2474
Loan-to-Member Ratio (LMR)
engagement
Value:
$472.60
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2467
Loan-to-Share Ratio
balance_sheet
Value:
16.95%
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2459
Total Loans
balance_sheet
Value:
$159,267
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2431
Average Member Relationship (AMR)
engagement
Value:
$3,261
Peer Median: -
#2431 of 2556
Bottom 4.9% in <100M tier
2419
Efficiency Ratio
profitability
Value:
113.75%
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2415
Total Assets
balance_sheet
Value:
$1.02M
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier