BlastPoint's Credit Union Scorecard
ABYSSINIAN BAPTIST CHURCH
Charter #4170 · NY
ABYSSINIAN BAPTIST CHURCH has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Net Interest Margin 0.14% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.1% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Total Loans: Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 4.4% in tier
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Total Assets: Bottom 5.2% in tier
- - Total Deposits: Bottom 6.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -2.0% year over year ($917K in shares and deposits).
- Membership: 335 members, -5.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.89%.
- Efficiency ratio 55.42% vs a 88.77% peer average.
- Loan-to-share ratio 18.03% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
335
-5.1% YoY+0.3% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 8.9% in tier |
| Assets |
$1.0M
-2.7% YoY+0.8% QoQ
|
$-29.3M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.1% in tier |
| Loans |
$165,304
-16.1% YoY+9.2% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.7% in tier |
| Deposits |
$916,618
-2.0% YoY+0.4% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.4% in tier |
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| ROA |
1.9%
+14.1% YoY-6.7% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 11.2% in tier |
| NIM |
4.0%
-6.3% YoY-7.7% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
55.4%
-10.1% YoY+1.9% QoQ
|
-33.3% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
18.0%
-14.4% YoY+8.8% QoQ
|
-40.9% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.3% in tier |
| AMR |
$3,230
+0.7% YoY+1.3% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.6% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)