BlastPoint's Credit Union Scorecard
CHURCH OF THE MASTER
Charter #5127 · NY
<100M
2508 CUs in <100M nationally
179 in NY
CHURCH OF THE MASTER has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.56% above tier average
- + Net Worth Ratio: Top 0.7% in tier
- + AMR Growth Rate: Top 1.6% in tier
- + Fee Income Per Member: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.49% above tier average
- - Member decline: -20.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 1.9% in tier
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Total Loans: Bottom 3.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
237
-20.5% YoY-0.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 5.7% in tier |
| Assets |
$1.0M
+6.4% YoY+0.9% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.3% in tier |
| Loans |
$167,793
+6.2% YoY-1.0% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.8% in tier |
| Deposits |
$478,474
+0.2% YoY-0.4% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.8% in tier |
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| ROA |
1.7%
-98.8% YoY-95.1% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 10.7% in tier |
| NIM |
1.6%
-18.2% YoY-41.6% QoQ
|
-2.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
69.3%
+1793.3% YoY+427.7% QoQ
|
-21.3% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
7.0%
+201.4% QoQ
|
+5.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.7% in tier |
| Loan To Share |
35.1%
+5.9% YoY-0.7% QoQ
|
-23.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$2,727
+27.9% YoY-0.1% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
19
Net Worth Ratio
risk
Value:
52.44%
Peer Median: 14.28%
#19 of 2508
Top 0.7% in <100M tier
42
AMR Growth Rate
growth
Value:
27.90%
Peer Median: 1.27%
#42 of 2508
Top 1.6% in <100M tier
202
Fee Income Per Member
profitability
Value:
$168.78
Peer Median: $60.42
#202 of 2508
Top 8.0% in <100M tier
268
Return on Assets (ROA)
profitability
Value:
1.71%
Peer Median: 0.61%
#268 of 2508
Top 10.6% in <100M tier
425
Loan Growth Rate
growth
Value:
6.17%
Peer Median: -2.36%
#425 of 2508
Top 16.9% in <100M tier
439
Asset Growth Rate
growth
Value:
6.42%
Peer Median: 1.30%
#439 of 2508
Top 17.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2461
Member Growth Rate
growth
Value:
-20.47%
Peer Median: -1.37%
#2461 of 2508
Bottom 1.9% in <100M tier
2448
Net Interest Margin (NIM)
profitability
Value:
1.59%
Peer Median: 3.83%
#2448 of 2508
Bottom 2.4% in <100M tier
2417
Total Delinquency Rate (60+ days)
risk
Value:
7.00%
Peer Median: 0.65%
#2417 of 2508
Bottom 3.7% in <100M tier
2412
Total Deposits
balance_sheet
Value:
$478,474
Peer Median: $18.77M
#2412 of 2508
Bottom 3.9% in <100M tier
2412
Total Loans
balance_sheet
Value:
$167,793
Peer Median: $9.48M
#2412 of 2508
Bottom 3.9% in <100M tier
2406
Average Member Relationship (AMR)
engagement
Value:
$2,727
Peer Median: $13,926
#2406 of 2508
Bottom 4.1% in <100M tier
2391
Loan-to-Member Ratio (LMR)
engagement
Value:
$707.99
Peer Median: $4,923
#2391 of 2508
Bottom 4.7% in <100M tier
2374
Total Assets
balance_sheet
Value:
$1.01M
Peer Median: $21.86M
#2374 of 2508
Bottom 5.4% in <100M tier
2366
Total Members
engagement
Value:
237
Peer Median: 1,918
#2366 of 2508
Bottom 5.7% in <100M tier