ST. PATRICK S PARISH
Charter #65091 | VT
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in VT
ST. PATRICK S PARISH has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Net Interest Margin 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 8.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.52% above tier average
- - Total Assets: Bottom 3.7% in tier
- - Total Deposits: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 4.9% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 4.9% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
- - Total Loans: Bottom 7.2% in tier
- - Total Members: Bottom 8.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.7% in tier
- - Asset Growth Rate: Bottom 8.9% in tier
- - Deposit Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
313
-0.9% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
29,911
+10.3% YoY
|
33,089
+6.1% YoY
|
Bottom 8.4% in tier |
| Assets |
$582,051
-7.3% YoY+1.3% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$474.3M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.6% in tier |
| Loans |
$469,210
-19.5% YoY+3.1% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$376.7M
+12.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.2% in tier |
| Deposits |
$504,389
-8.3% YoY+0.8% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$399.6M
+12.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.2% in tier |
| ROA |
1.6%
-17.9% YoY+27.2% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.8%
+14.5% YoY
|
0.7%
+273.4% YoY
|
Top 17.5% in tier |
| NIM |
4.2%
-1.2% YoY-6.8% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.2%
+0.1% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
61.8%
+14.4% YoY-14.2% QoQ
|
-19.6% |
81.4%
-2.4% YoY
|
78.8%
-0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 16.7% in tier |
| Delinquency Rate | 3.0% | +1.5 |
1.5%
-2.0% YoY
|
1.4%
+18.2% YoY
|
1.2%
-0.9% YoY
|
Top 11.7% in tier |
| Loan To Share |
93.0%
-12.2% YoY+2.2% QoQ
|
+31.8% |
61.2%
-3.0% YoY
|
82.0%
-5.1% YoY
|
68.0%
-1.7% YoY
|
Top 8.6% in tier |
| AMR |
$3,111
-13.2% YoY+1.9% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$19,091
-0.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.7%
-1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.9%
-7.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
219
Loan-to-Share Ratio
balance_sheet
Value:
93.03%
Peer Avg: 61.23%
#219 of 2596
Top 8.4% 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
435
Efficiency Ratio
profitability
Value:
61.80%
Peer Avg: 81.39%
#435 of 2596
Top 16.7% in <100M tier
455
Return on Assets (ROA)
profitability
Value:
1.60%
Peer Avg: 0.68%
#455 of 2596
Top 17.5% in <100M tier
Top Weaknesses (12 metrics)
2502
Total Assets
balance_sheet
Value:
$582,051
Peer Avg: $29.86M
#2502 of 2596
Bottom 3.7% in <100M tier
2488
Total Deposits
balance_sheet
Value:
$504,389
Peer Avg: $25.45M
#2488 of 2596
Bottom 4.2% in <100M tier
2471
Fee Income Per Member
profitability
Value:
$0.08
Peer Avg: $182.96
#2471 of 2596
Bottom 4.9% in <100M tier
2471
AMR Growth Rate
growth
Value:
-13.25%
Peer Avg: 4.67%
#2471 of 2596
Bottom 4.9% in <100M tier
2470
Average Member Relationship (AMR)
engagement
Value:
$3,111
Peer Avg: $14,627
#2470 of 2596
Bottom 4.9% in <100M tier
2424
Loan Growth Rate
growth
Value:
-19.49%
Peer Avg: 59.01%
#2424 of 2596
Bottom 6.7% in <100M tier
2409
Total Loans
balance_sheet
Value:
$469,210
Peer Avg: $15.77M
#2409 of 2596
Bottom 7.2% in <100M tier
2378
Total Members
engagement
Value:
313
Peer Avg: 2,626
#2378 of 2596
Bottom 8.4% in <100M tier
2371
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,499
Peer Avg: $5,488
#2371 of 2596
Bottom 8.7% in <100M tier
2367
Asset Growth Rate
growth
Value:
-7.29%
Peer Avg: 1.82%
#2367 of 2596
Bottom 8.9% in <100M tier