BlastPoint's Credit Union Scorecard
CHURCH OF THE MASTER
Charter #5127 · NY
<100M
2556 CUs in <100M nationally
183 in NY
CHURCH OF THE MASTER has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 34.37% above tier average
- + Fee Income Per Member: Top 0.2% in tier
- + Efficiency Ratio: Top 0.3% in tier
- + Asset Growth Rate: Top 0.3% in tier
- + Net Worth Ratio: Top 0.8% in tier
- + Loan Growth Rate: Top 1.0% in tier
- + AMR Growth Rate: Top 1.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.77% above tier average
- - Member decline: -11.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Deposits: Bottom 4.0% in tier
- - Total Loans: Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 4.1% in tier
- - Member Growth Rate: Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
238
-11.5% YoY-5.2% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 5.6% in tier |
| Assets |
$997,482
+53.0% YoY+1.1% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.4% in tier |
| Loans |
$169,565
+41.2% YoY+5.0% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.9% in tier |
| Deposits |
$480,183
+0.7% YoY+1.7% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
35.0%
+1432.8% YoY-21.6% QoQ
|
+34.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 0.1% in tier |
| NIM |
2.7%
-3.9% YoY+4.7% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio |
13.1%
-77.5% YoY+6.9% QoQ
|
-69.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 0.3% in tier |
| Delinquency Rate |
2.3%
-91.3% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
35.3%
+40.1% YoY+3.2% QoQ
|
-25.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.8% in tier |
| AMR |
$2,730
+23.1% YoY+8.1% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
2
Return on Assets (ROA)
profitability
Value:
34.99%
Peer Median: -
#2 of 2556
Top 0.1% in <100M tier
7
Fee Income Per Member
profitability
Value:
$1,565
Peer Median: -
#7 of 2556
Top 0.2% in <100M tier
8
Efficiency Ratio
profitability
Value:
13.14%
Peer Median: -
#8 of 2556
Top 0.3% in <100M tier
9
Asset Growth Rate
growth
Value:
53.02%
Peer Median: -
#9 of 2556
Top 0.3% in <100M tier
22
Net Worth Ratio
risk
Value:
51.86%
Peer Median: -
#22 of 2556
Top 0.8% in <100M tier
26
Loan Growth Rate
growth
Value:
41.19%
Peer Median: -
#26 of 2556
Top 1.0% in <100M tier
49
AMR Growth Rate
growth
Value:
23.07%
Peer Median: -
#49 of 2556
Top 1.9% in <100M tier
Top Weaknesses (11 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.1% in <100M tier
2456
Total Deposits
balance_sheet
Value:
$480,183
Peer Median: -
#2456 of 2556
Bottom 4.0% in <100M tier
2456
Total Loans
balance_sheet
Value:
$169,565
Peer Median: -
#2456 of 2556
Bottom 4.0% in <100M tier
2453
Average Member Relationship (AMR)
engagement
Value:
$2,730
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2448
Member Growth Rate
growth
Value:
-11.52%
Peer Median: -
#2448 of 2556
Bottom 4.3% in <100M tier
2437
Loan-to-Member Ratio (LMR)
engagement
Value:
$712.46
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2419
Total Assets
balance_sheet
Value:
$997,482
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2413
Total Members
engagement
Value:
238
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2248
Net Interest Margin (NIM)
profitability
Value:
2.73%
Peer Median: -
#2248 of 2556
Bottom 12.1% in <100M tier
2175
Loan-to-Share Ratio
balance_sheet
Value:
35.31%
Peer Median: -
#2175 of 2556
Bottom 14.9% in <100M tier