BlastPoint's Credit Union Scorecard
METROPOLITAN CHURCH
Charter #5970 · VA
METROPOLITAN CHURCH has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.58% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 5.32% above tier (higher cost structure)
- - Delinquency rate 4.32% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,913
+0.2% YoY-0.6% QoQ
|
-702 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$12.6M
+1.9% YoY-1.2% QoQ
|
$-17.5M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$4.9M
-10.5% YoY-5.9% QoQ
|
$-10.9M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$9.1M
+1.5% YoY-1.4% QoQ
|
$-16.6M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.2%
-86.3% YoY-76.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
5.5%
-12.3% YoY-0.8% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
87.9%
+21.8% YoY+10.1% QoQ
|
+5.3% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
5.9%
-39.6% YoY-43.1% QoQ
|
+4.3 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 4.9% in tier |
| Loan To Share |
53.3%
-11.9% YoY-4.5% QoQ
|
-7.3% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$7,317
-3.2% YoY-2.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
9.6%
+9.8% YoY+8.4% QoQ
|
-14.9% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)