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BlastPoint's Credit Union Scorecard

CATHOLIC FAMILY

Charter #64762 · MO

<100M
2508 CUs in <100M nationally 59 in MO

CATHOLIC FAMILY has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.18% above tier average
  • + Strong member growth: 45.1% YoY
  • + Member Growth Rate: Top 0.6% in tier
  • + Members Per Employee (MPE): Top 0.6% in tier
  • + Net Charge-Off Rate: Top 1.9% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 2.36% above tier average
  • - AMR Growth Rate: Bottom 1.0% in tier
  • - Net Worth Ratio: Bottom 7.9% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 3,480
+45.1% YoY+45.7% QoQ
+803 2,676
+1.6% YoY
15,395
-0.3% YoY
33,913
+5.7% YoY
74%
Assets $17.1M
+5.7% YoY+2.1% QoQ
$-13.1M $30.2M
+1.3% YoY
$217.9M
+8.5% YoY
$578.3M
+9.0% YoY
44%
Loans $6.7M
-0.7% YoY+2.9% QoQ
$-8.6M $15.3M
-2.0% YoY
$149.6M
+7.9% YoY
$402.4M
+8.7% YoY
41%
Deposits $15.6M
+6.3% YoY+2.6% QoQ
$-10.2M $25.8M
+0.7% YoY
$190.9M
+9.2% YoY
$494.3M
+9.1% YoY
46%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.3%
-14.9% YoY-182.9% QoQ
+0.2% 0.1%
-77.6% YoY
-0.4%
-263.3% YoY
0.4%
-39.2% YoY
37%
NIM 2.8%
-0.9% YoY-0.5% QoQ
-1.2% 4.0%
+4.0% YoY
3.9%
+2.8% YoY
3.8%
+4.1% YoY
Bottom 13.7% in tier
Efficiency Ratio 89.1%
+2.2% YoY+6.2% QoQ
-1.5% 90.6%
+6.5% YoY
82.5%
-4.9% YoY
84.6%
+2.8% YoY
67%
Delinquency Rate 3.9%
-1.3% YoY-10.7% QoQ
+2.4 1.5%
+3.8% YoY
1.1%
+7.9% YoY
1.2%
+3.4% YoY
Bottom 8.1% in tier
Loan To Share 42.6%
-6.5% YoY+0.3% QoQ
-15.9% 58.5%
-3.0% YoY
68.7%
-4.0% YoY
65.6%
-1.4% YoY
25%
AMR $6,396
-28.2% YoY-29.5% QoQ
$-8K $14,884
-1.7% YoY
$17,151
+1.8% YoY
$19,920
+1.6% YoY
Bottom 12.9% in tier
CD Concentration 10.9%
-11.1% YoY-8.1% QoQ
-13.3% 24.3% 18.1% 19.8% 50%
Indirect Auto % 0.5%
-97.2% YoY-96.9% QoQ
-13.3% 13.8% 9.8% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
15
Member Growth Rate
growth
Value: 45.06%
Peer Median: -1.37%
#15 of 2508 Top 0.6% in <100M tier
17
Members Per Employee (MPE)
engagement
Value: 1160.000
Peer Median: 333.750
#17 of 2508 Top 0.6% in <100M tier
49
Net Charge-Off Rate
risk
Value: -0.89%
Peer Median: 0.07%
#49 of 2508 Top 1.9% in <100M tier
453
Deposit Growth Rate
growth
Value: 6.28%
Peer Median: 0.66%
#453 of 2508 Top 18.0% in <100M tier
527
Asset Growth Rate
growth
Value: 5.65%
Peer Median: 1.30%
#527 of 2508 Top 21.0% in <100M tier

Top Weaknesses (8 metrics)

2484
AMR Growth Rate
growth
Value: -28.23%
Peer Median: 1.27%
#2484 of 2508 Bottom 1.0% in <100M tier
2310
Net Worth Ratio
risk
Value: 8.59%
Peer Median: 14.28%
#2310 of 2508 Bottom 7.9% in <100M tier
2306
Total Delinquency Rate (60+ days)
risk
Value: 3.86%
Peer Median: 0.65%
#2306 of 2508 Bottom 8.1% in <100M tier
2195
Loan-to-Member Ratio (LMR)
engagement
Value: $1,911
Peer Median: $4,923
#2195 of 2508 Bottom 12.5% in <100M tier
2184
Average Member Relationship (AMR)
engagement
Value: $6,396
Peer Median: $13,926
#2184 of 2508 Bottom 13.0% in <100M tier
2164
Net Interest Margin (NIM)
profitability
Value: 2.81%
Peer Median: 3.83%
#2164 of 2508 Bottom 13.8% in <100M tier
2153
Indirect Auto Concentration (%)
balance_sheet
Value: 0.50%
Peer Median: 0.00%
#2153 of 2508 Bottom 14.2% in <100M tier
1978
Fee Income Per Member
profitability
Value: $11.42
Peer Median: $60.42
#1978 of 2508 Bottom 21.2% in <100M tier
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