BlastPoint's Credit Union Scorecard
CATHOLIC FAMILY
Charter #64762 · MO
CATHOLIC FAMILY has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Efficiency ratio 1.38% above tier (higher cost structure)
- - Delinquency rate 2.77% above tier average
- - Indirect Auto Concentration (%): Bottom 6.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
- - Net Worth Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,388
-0.1% YoY-0.3% QoQ
|
-227 |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$16.8M
+3.0% YoY+1.7% QoQ
|
$-13.4M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$6.5M
-6.4% YoY-4.4% QoQ
|
$-9.3M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$15.2M
+3.0% YoY+1.9% QoQ
|
$-10.5M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
-0.4%
-209.9% YoY-192.5% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.0% in tier |
| NIM |
2.8%
-10.7% YoY-0.4% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio |
83.9%
+6.8% YoY-0.8% QoQ
|
+1.4% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
4.3%
+176.7% YoY-15.0% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Top 7.6% in tier |
| Loan To Share |
42.5%
-9.2% YoY-6.3% QoQ
|
-18.1% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$9,077
+0.2% YoY+0.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
11.9%
-7.5% YoY-8.9% QoQ
|
-12.5% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
16.2%
-13.4% YoY-1.9% QoQ
|
+2.4% | 13.8% | 10.0% | 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)