BlastPoint's Credit Union Scorecard
METROPOLITAN CHURCH
Charter #5970 ยท VA
2596 CUs in <100M nationally
49 in VA
METROPOLITAN CHURCH has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 1.65% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 8.83% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,925
+1.5% YoY-0.2% QoQ
|
-700 |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$12.8M
+0.8% YoY+2.6% QoQ
|
$-17.1M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$5.2M
-8.5% YoY+0.2% QoQ
|
$-10.6M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$9.3M
-0.7% YoY+3.4% QoQ
|
$-16.2M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
35% |
| ROA |
0.8%
-45.9% YoY-8.0% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
5.6%
-11.0% YoY-3.2% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
79.8%
+16.7% YoY+8.1% QoQ
|
-1.6% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
10.3%
+26.0% YoY+24.9% QoQ
|
+8.8 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 2.3% in tier |
| Loan To Share |
55.8%
-7.8% YoY-3.1% QoQ
|
-5.4% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$7,499
-5.1% YoY+2.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
8.8%
+8.2% YoY-4.3% QoQ
|
-15.6% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.7%
-0.5% 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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
176
Net Interest Margin (NIM)
profitability
Value:
5.58%
Peer Avg: 3.93%
#176 of 2596
Top 6.7% in <100M tier
212
Net Worth Ratio
risk
Value:
27.17%
Peer Avg: 16.43%
#212 of 2596
Top 8.1% in <100M tier
510
Member Growth Rate
growth
Value:
1.53%
Peer Avg: 14.92%
#510 of 2596
Top 19.6% in <100M tier
Top Weaknesses (5 metrics)
2536
Total Delinquency Rate (60+ days)
risk
Value:
10.34%
Peer Avg: 1.51%
#2536 of 2596
Bottom 2.3% in <100M tier
2315
First Mortgage Concentration (%)
balance_sheet
Value:
43.43%
Peer Avg: 14.49%
#2315 of 2596
Bottom 10.9% in <100M tier
2152
Average Member Relationship (AMR)
engagement
Value:
$7,499
Peer Avg: $14,627
#2152 of 2596
Bottom 17.1% in <100M tier
2148
AMR Growth Rate
growth
Value:
-5.11%
Peer Avg: 4.67%
#2148 of 2596
Bottom 17.3% in <100M tier
2071
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,687
Peer Avg: $5,488
#2071 of 2596
Bottom 20.3% in <100M tier