BlastPoint's Credit Union Scorecard
HOLY ROSARY
Charter #64690 · MO
HOLY ROSARY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Net Interest Margin 2.58% above tier average
- + Fee Income Per Member: Top 4.2% in tier
- + Total Members: Top 6.2% in tier
- + AMR Growth Rate: Top 6.7% in tier
- + Loan-to-Share Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.33% above tier (higher cost structure)
- - Delinquency rate 1.21% above tier average
- - Member decline: -9.9% YoY
- - Net Charge-Off Rate: Bottom 6.0% in tier
- - Member Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,886
-9.9% YoY+0.4% QoQ
|
+4.3K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 6.2% in tier |
| Assets |
$44.8M
+3.7% YoY+1.1% QoQ
|
+$14.9M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$32.0M
-4.4% YoY-1.4% QoQ
|
+$16.2M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$33.6M
+6.8% YoY+1.3% QoQ
|
+$8.1M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
69% |
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| ROA |
0.7%
+17.3% YoY+18.5% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
6.5%
-8.6% YoY-1.6% QoQ
|
+2.6% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 2.4% in tier |
| Efficiency Ratio |
81.7%
+17.4% YoY-0.1% QoQ
|
+0.3% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
2.7%
+23.3% YoY+7.6% QoQ
|
+1.2 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Top 13.8% in tier |
| Loan To Share |
95.2%
-10.4% YoY-2.7% QoQ
|
+33.9% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 7.1% in tier |
| AMR |
$9,520
+12.1% YoY-0.4% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
10.4%
+67.0% YoY+5.5% QoQ
|
-14.1% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.4%
-56.0% YoY-18.6% QoQ
|
-13.6% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)