BlastPoint's Credit Union Scorecard
CATHOLIC FAMILY
Charter #64762 · MO
2596 CUs in <100M nationally
60 in MO
CATHOLIC FAMILY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 3.19% above tier (higher cost structure)
- - Delinquency rate 3.58% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Indirect Auto Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,395
-0.1% YoY-0.3% QoQ
|
-230 |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$16.5M
+2.3% YoY+1.4% QoQ
|
$-13.4M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$6.8M
-6.3% YoY+0.3% QoQ
|
$-9.0M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$14.9M
+2.2% YoY+1.6% QoQ
|
$-10.5M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
45% |
| ROA |
0.4%
+50.7% YoY-32.7% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
2.8%
-11.6% YoY-3.8% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio |
84.6%
+8.8% YoY+5.7% QoQ
|
+3.2% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
5.1%
+25.0% YoY+12.8% QoQ
|
+3.6 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Top 5.9% in tier |
| Loan To Share |
45.3%
-8.3% YoY-1.2% QoQ
|
-15.9% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$9,054
-0.6% YoY+1.5% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
13.1%
-4.3% YoY+12.7% QoQ
|
-11.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
16.5%
-12.4% YoY-6.6% QoQ
|
+2.6% |
14.0%
-5.8% YoY
|
10.3%
-9.1% 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 (3 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
79
Members Per Employee (MPE)
engagement
Value:
798.333
Peer Avg: 365.701
#79 of 2596
Top 3.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (6 metrics)
2443
Total Delinquency Rate (60+ days)
risk
Value:
5.09%
Peer Avg: 1.51%
#2443 of 2596
Bottom 5.9% in <100M tier
2411
Indirect Auto Concentration (%)
balance_sheet
Value:
16.51%
Peer Avg: 2.84%
#2411 of 2596
Bottom 7.2% in <100M tier
2334
Net Worth Ratio
risk
Value:
9.10%
Peer Avg: 16.43%
#2334 of 2596
Bottom 10.1% in <100M tier
2237
Net Interest Margin (NIM)
profitability
Value:
2.84%
Peer Avg: 3.93%
#2237 of 2596
Bottom 13.9% in <100M tier
2038
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,824
Peer Avg: $5,488
#2038 of 2596
Bottom 21.5% in <100M tier
1967
Average Member Relationship (AMR)
engagement
Value:
$9,054
Peer Avg: $14,627
#1967 of 2596
Bottom 24.3% in <100M tier