BlastPoint's Credit Union Scorecard
ST. JOSEPHS CANTON PARISH
Charter #4884 · OH
ST. JOSEPHS CANTON PARISH has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Total Members: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,849
-0.6% YoY-0.5% QoQ
|
+3.2K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 10.0% in tier |
| Assets |
$62.5M
+0.3% YoY-2.9% QoQ
|
+$32.6M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$23.4M
+3.8% YoY-0.7% QoQ
|
+$7.7M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$55.4M
-1.0% YoY-3.6% QoQ
|
+$30.0M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Top 14.8% in tier |
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| ROA |
1.1%
+12.5% YoY+0.5% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.7%
+14.6% YoY+2.2% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
74.6%
+3.3% YoY+0.7% QoQ
|
-6.8% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.2%
+92.5% YoY+23.2% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
42.3%
+4.8% YoY+3.0% QoQ
|
-19.0% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$13,480
+1.0% YoY-2.3% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
6.2%
+34.3% YoY-6.5% QoQ
|
-18.3% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
30.1%
+5.7% YoY+0.9% QoQ
|
+16.1% |
14.0%
-5.7% YoY
|
11.2%
-0.8% 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)