BlastPoint's Credit Union Scorecard
HOLY ROSARY
Charter #64690 · MO
HOLY ROSARY has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.85% above tier average
- + Fee Income Per Member: Top 1.8% in tier
- + AMR Growth Rate: Top 4.9% in tier
- + Total Members: Top 5.3% in tier
- + Loan-to-Share Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.65% above tier average
- - Member decline: -10.3% YoY
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Member Growth Rate: Bottom 5.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,979
-10.3% YoY+0.6% QoQ
|
+4.3K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Top 5.3% in tier |
| Assets |
$46.9M
+5.7% YoY+3.4% QoQ
|
+$16.7M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$31.5M
-3.7% YoY-1.0% QoQ
|
+$16.3M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$35.7M
+8.3% YoY+6.3% QoQ
|
+$9.9M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.1%
-64.3% YoY-88.6% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
5.9%
-14.2% YoY-8.4% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
82.3%
-10.4% YoY+5.8% QoQ
|
-8.4% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
2.2%
-17.1% YoY-28.6% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
88.3%
-11.1% YoY-6.8% QoQ
|
+29.8% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 9.5% in tier |
| AMR |
$9,636
+14.1% YoY+2.1% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
11.7%
+27.6% YoY+10.2% QoQ
|
-12.5% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
0.2%
-66.7% YoY-24.5% QoQ
|
-13.6% | 13.8% | 9.8% | 7.7% | 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)