CHURCH OF THE MASTER

Charter #5127 | NY

<100M (2596 CUs) Micro
188 <100M in NY

CHURCH OF THE MASTER has 10 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 43.96% 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 0.1% in tier
  • + Fee Income Per Member: Top 0.2% in tier
  • + Asset Growth Rate: Top 0.4% in tier
  • + Loan Growth Rate: Top 0.7% in tier
  • + Net Worth Ratio: Top 0.9% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 25.24% above tier average
  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
  • - Total Loans: Bottom 3.8% in tier
  • - Average Member Relationship (AMR): Bottom 3.9% in tier
  • - Total Deposits: Bottom 3.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
  • - Total Assets: Bottom 5.5% in tier
  • - Total Members: Bottom 6.3% in tier
  • - Net Interest Margin (NIM): Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 251
+1.6% YoY-7.4% QoQ
 -2.4K 2,625
-2.2% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 6.2% in tier
Assets $986,702
+51.6% YoY+4.3% QoQ
 $-28.9M $29.9M
+1.1% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 5.4% in tier
Loans $161,495
+36.2% YoY-16.4% QoQ
 $-15.6M $15.8M
-2.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 3.8% in tier
Deposits $472,163
-0.1% YoY-1.9% QoQ
 $-25.0M $25.5M
+0.4% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Bottom 3.9% in tier
ROA 44.6%
+942.4% YoY-319947.5% QoQ
 +44.0% 0.7%
-731.4% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Top 0.1% in tier
NIM 2.6%
-12.4% YoY-9.3% QoQ
 -1.3% 3.9%
+3.8% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 9.1% in tier
Efficiency Ratio 12.3%
-63.2% YoY-87.8% QoQ
 -69.1% 81.4%
-2.4% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 0.1% in tier
Delinquency Rate 26.7%
+5044.5% QoQ
 +25.2 1.5%
-2.0% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 0.8% in tier
Loan To Share 34.2%
+36.3% YoY-14.8% QoQ
 -27.0% 61.2%
-3.0% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 13.3% in tier
AMR $2,525
+5.5% YoY+1.4% QoQ
 $-12K $14,627
-2.7% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 3.8% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
2
Return on Assets (ROA)
profitability
Value: 44.64%
Peer Avg: 0.68%
#2 of 2596 Top 0.0% in <100M tier
4
Efficiency Ratio
profitability
Value: 12.29%
Peer Avg: 81.39%
#4 of 2596 Top 0.1% in <100M tier
6
Fee Income Per Member
profitability
Value: $1,859
Peer Avg: $182.96
#6 of 2596 Top 0.2% in <100M tier
11
Asset Growth Rate
growth
Value: 51.64%
Peer Avg: 1.82%
#11 of 2596 Top 0.4% in <100M tier
20
Loan Growth Rate
growth
Value: 36.18%
Peer Avg: 59.01%
#20 of 2596 Top 0.7% in <100M tier
24
Net Worth Ratio
risk
Value: 52.15%
Peer Avg: 16.43%
#24 of 2596 Top 0.9% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier

Top Weaknesses (10 metrics)

2596
Members Per Employee (MPE)
engagement
Value: -
Peer Avg: 365.701
#2596 of 2596 Bottom 0.0% in <100M tier
2575
Total Delinquency Rate (60+ days)
risk
Value: 26.75%
Peer Avg: 1.51%
#2575 of 2596 Bottom 0.8% in <100M tier
2498
Total Loans
balance_sheet
Value: $161,495
Peer Avg: $15.77M
#2498 of 2596 Bottom 3.8% in <100M tier
2497
Average Member Relationship (AMR)
engagement
Value: $2,525
Peer Avg: $14,627
#2497 of 2596 Bottom 3.9% in <100M tier
2495
Total Deposits
balance_sheet
Value: $472,163
Peer Avg: $25.45M
#2495 of 2596 Bottom 3.9% in <100M tier
2481
Loan-to-Member Ratio (LMR)
engagement
Value: $643.41
Peer Avg: $5,488
#2481 of 2596 Bottom 4.5% in <100M tier
2455
Total Assets
balance_sheet
Value: $986,702
Peer Avg: $29.86M
#2455 of 2596 Bottom 5.5% in <100M tier
2433
Total Members
engagement
Value: 251
Peer Avg: 2,626
#2433 of 2596 Bottom 6.3% in <100M tier
2361
Net Interest Margin (NIM)
profitability
Value: 2.60%
Peer Avg: 3.93%
#2361 of 2596 Bottom 9.1% in <100M tier
2247
Loan-to-Share Ratio
balance_sheet
Value: 34.20%
Peer Avg: 61.23%
#2247 of 2596 Bottom 13.5% in <100M tier