BlastPoint's Credit Union Scorecard
CHRISTO REY
Charter #5524 · OH
2556 CUs in <100M nationally
118 in OH
CHRISTO REY has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + 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 3.7% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + Deposit Growth Rate: Top 4.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Fee Income Per Member: Bottom 8.6% in tier
- - Net Worth Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
527
+0.6% YoY+0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 14.4% in tier |
| Assets |
$3.5M
+13.4% YoY+0.4% QoQ
|
$-26.7M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.1% in tier |
| Loans |
$1.4M
-4.7% YoY-4.0% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.2% in tier |
| Deposits |
$3.1M
+13.6% YoY+0.7% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
1.0%
+180.8% YoY+23.6% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
1.7%
+17.5% YoY+14.3% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
48.0%
-26.9% YoY-15.8% QoQ
|
-34.5% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
45.9%
-16.1% YoY-4.7% QoQ
|
-14.7% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$8,708
+6.5% YoY-1.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 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 (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
96
Efficiency Ratio
profitability
Value:
48.04%
Peer Median: -
#96 of 2556
Top 3.7% in <100M tier
115
Asset Growth Rate
growth
Value:
13.45%
Peer Median: -
#115 of 2556
Top 4.5% in <100M tier
124
Deposit Growth Rate
growth
Value:
13.61%
Peer Median: -
#124 of 2556
Top 4.8% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
314
Members Per Employee (MPE)
engagement
Value:
527.000
Peer Median: -
#314 of 2556
Top 12.2% in <100M tier
511
AMR Growth Rate
growth
Value:
6.54%
Peer Median: -
#511 of 2556
Top 20.0% in <100M tier
Top Weaknesses (9 metrics)
2488
Net Interest Margin (NIM)
profitability
Value:
1.72%
Peer Median: -
#2488 of 2556
Bottom 2.7% in <100M tier
2337
Fee Income Per Member
profitability
Value:
$1.77
Peer Median: -
#2337 of 2556
Bottom 8.6% in <100M tier
2313
Net Worth Ratio
risk
Value:
9.00%
Peer Median: -
#2313 of 2556
Bottom 9.5% in <100M tier
2195
Total Assets
balance_sheet
Value:
$3.46M
Peer Median: -
#2195 of 2556
Bottom 14.2% in <100M tier
2194
Total Loans
balance_sheet
Value:
$1.44M
Peer Median: -
#2194 of 2556
Bottom 14.2% in <100M tier
2189
Total Members
engagement
Value:
527
Peer Median: -
#2189 of 2556
Bottom 14.4% in <100M tier
2146
Total Deposits
balance_sheet
Value:
$3.15M
Peer Median: -
#2146 of 2556
Bottom 16.1% in <100M tier
2032
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,739
Peer Median: -
#2032 of 2556
Bottom 20.5% in <100M tier
1997
Average Member Relationship (AMR)
engagement
Value:
$8,708
Peer Median: -
#1997 of 2556
Bottom 21.9% in <100M tier