BlastPoint's Credit Union Scorecard
CHURCH OF THE MASTER
Charter #5127 · NY
2596 CUs in <100M nationally
188 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 |
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| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
2
Return on Assets (ROA)
profitability
Value:
44.64%
Peer Avg: -
#2 of 2596
Top 0.0% in <100M tier
4
Efficiency Ratio
profitability
Value:
12.29%
Peer Avg: -
#4 of 2596
Top 0.1% in <100M tier
6
Fee Income Per Member
profitability
Value:
$1,859
Peer Avg: -
#6 of 2596
Top 0.2% in <100M tier
11
Asset Growth Rate
growth
Value:
51.64%
Peer Avg: -
#11 of 2596
Top 0.4% in <100M tier
20
Loan Growth Rate
growth
Value:
36.18%
Peer Avg: -
#20 of 2596
Top 0.7% in <100M tier
24
Net Worth Ratio
risk
Value:
52.15%
Peer Avg: -
#24 of 2596
Top 0.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2575
Total Delinquency Rate (60+ days)
risk
Value:
26.75%
Peer Avg: -
#2575 of 2596
Bottom 0.8% in <100M tier
2498
Total Loans
balance_sheet
Value:
$161,495
Peer Avg: -
#2498 of 2596
Bottom 3.8% in <100M tier
2497
Average Member Relationship (AMR)
engagement
Value:
$2,525
Peer Avg: -
#2497 of 2596
Bottom 3.9% in <100M tier
2495
Total Deposits
balance_sheet
Value:
$472,163
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2481
Loan-to-Member Ratio (LMR)
engagement
Value:
$643.41
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2455
Total Assets
balance_sheet
Value:
$986,702
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2433
Total Members
engagement
Value:
251
Peer Avg: -
#2433 of 2596
Bottom 6.3% in <100M tier
2361
Net Interest Margin (NIM)
profitability
Value:
2.60%
Peer Avg: -
#2361 of 2596
Bottom 9.1% in <100M tier
2247
Loan-to-Share Ratio
balance_sheet
Value:
34.20%
Peer Avg: -
#2247 of 2596
Bottom 13.5% in <100M tier