BlastPoint's Credit Union Scorecard
ABYSSINIAN BAPTIST CHURCH
Charter #4170 · NY
2596 CUs in <100M nationally
188 in NY
ABYSSINIAN BAPTIST CHURCH has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Net Interest Margin 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.31% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 3.8% in tier
- - Loan Growth Rate: Bottom 3.9% in tier
- - Total Loans: Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 4.9% in tier
- - Total Assets: Bottom 5.9% in tier
- - Total Deposits: Bottom 7.0% in tier
- - Fee Income Per Member: Bottom 7.3% in tier
- - Total Members: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
355
+0.6% YoY+0.6% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 9.7% in tier |
| Assets |
$1.0M
-5.5% YoY+1.1% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.9% in tier |
| Loans |
$165,068
-25.3% YoY-16.2% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.9% in tier |
| Deposits |
$945,695
-2.1% YoY+1.1% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.0% in tier |
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| ROA |
2.0%
-59.2% YoY+20.3% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 9.1% in tier |
| NIM |
4.2%
-4.0% YoY-2.1% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
52.9%
+74.8% YoY-14.2% QoQ
|
-28.5% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
1.8%
-86.4% YoY-21.9% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
17.5%
-23.7% YoY-17.2% QoQ
|
-43.8% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.6% in tier |
| AMR |
$3,129
-6.9% YoY-2.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
205
Efficiency Ratio
profitability
Value:
52.93%
Peer Avg: -
#205 of 2596
Top 7.9% in <100M tier
235
Return on Assets (ROA)
profitability
Value:
2.00%
Peer Avg: -
#235 of 2596
Top 9.0% in <100M tier
Top Weaknesses (15 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2567
Net Charge-Off Rate
risk
Value:
6.18%
Peer Avg: -
#2567 of 2596
Bottom 1.2% in <100M tier
2510
Loan-to-Member Ratio (LMR)
engagement
Value:
$464.98
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2499
Loan-to-Share Ratio
balance_sheet
Value:
17.45%
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2495
Loan Growth Rate
growth
Value:
-25.28%
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2494
Total Loans
balance_sheet
Value:
$165,068
Peer Avg: -
#2494 of 2596
Bottom 4.0% in <100M tier
2469
Average Member Relationship (AMR)
engagement
Value:
$3,129
Peer Avg: -
#2469 of 2596
Bottom 4.9% in <100M tier
2443
Total Assets
balance_sheet
Value:
$1.04M
Peer Avg: -
#2443 of 2596
Bottom 5.9% in <100M tier
2415
Total Deposits
balance_sheet
Value:
$945,695
Peer Avg: -
#2415 of 2596
Bottom 7.0% in <100M tier
2407
Fee Income Per Member
profitability
Value:
$0.83
Peer Avg: -
#2407 of 2596
Bottom 7.3% in <100M tier