BlastPoint's Credit Union Scorecard
JONES METHODIST CHURCH
Charter #64892 · CA
2556 CUs in <100M nationally
91 in CA
JONES METHODIST CHURCH has 2 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 243.99% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Total Loans: Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Fee Income Per Member: Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - Average Member Relationship (AMR): Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
- - Total Assets: Bottom 1.5% in tier
- - Total Deposits: Bottom 1.7% in tier
- - Total Members: Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
252
-3.8% YoY-0.8% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 6.3% in tier |
| Assets |
$259,393
+8.8% YoY-4.2% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.4% in tier |
| Loans |
$0.0
-100.0% YoY
|
$-15.8M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.0% in tier |
| Deposits |
$209,926
+12.3% YoY-4.9% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.6% in tier |
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| ROA |
-0.8%
-9.3% YoY-11.2% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.8% in tier |
| NIM |
0.9%
+57.6% YoY+177.7% QoQ
|
-3.0% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
326.5%
+68.0% YoY
|
+244.0% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate | - | - |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
- |
| Loan To Share |
0.0%
-100.0% YoY
|
-60.6% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$833.0
+8.4% YoY-4.2% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | - | - | 13.8% | 9.2% | 7.8% | - |
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 (4 metrics)
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
161
Deposit Growth Rate
growth
Value:
12.33%
Peer Median: -
#161 of 2556
Top 6.3% in <100M tier
287
Asset Growth Rate
growth
Value:
8.80%
Peer Median: -
#287 of 2556
Top 11.2% in <100M tier
335
AMR Growth Rate
growth
Value:
8.38%
Peer Median: -
#335 of 2556
Top 13.1% in <100M tier
Top Weaknesses (17 metrics)
2556
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2556
Net Charge-Off Rate
risk
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2556
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2556
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2544
Efficiency Ratio
profitability
Value:
326.55%
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2544
Total Loans
balance_sheet
Value:
$0.00
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2544
Loan-to-Share Ratio
balance_sheet
Value:
0.00%
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2544
Loan-to-Member Ratio (LMR)
engagement
Value:
$0.00
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2543
Fee Income Per Member
profitability
Value:
$-2.98
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2537
Net Interest Margin (NIM)
profitability
Value:
0.95%
Peer Median: -
#2537 of 2556
Bottom 0.8% in <100M tier