BlastPoint's Credit Union Scorecard
ST. PATRICK S PARISH
Charter #65091 · VT
2556 CUs in <100M nationally
7 in VT
ST. PATRICK S PARISH has 4 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 6.61% below tier average
- - Efficiency Ratio: Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 0.9% in tier
- - Total Assets: Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 4.1% in tier
- - Total Deposits: Bottom 4.2% in tier
- - Loan Growth Rate: Bottom 4.3% in tier
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
- - Total Loans: Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
312
-1.0% YoY-0.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
Bottom 8.1% in tier |
| Assets |
$583,930
-4.7% YoY+0.3% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.4% in tier |
| Loans |
$426,711
-22.7% YoY-9.1% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.7% in tier |
| Deposits |
$548,066
+1.2% YoY+8.7% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.2% in tier |
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| ROA |
-6.0%
-1704.0% YoY-473.2% QoQ
|
-6.6% |
0.6%
+10.8% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.9% in tier |
| NIM |
-3.7%
-252.5% YoY-187.4% QoQ
|
-7.6% |
4.0%
+4.0% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio | - | - |
82.6%
-2.3% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
- |
| Delinquency Rate |
1.3%
-58.2% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
77.9%
-23.6% YoY-16.3% QoQ
|
+17.2% |
60.6%
-3.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$3,124
-10.0% YoY+0.4% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
628
Loan-to-Share Ratio
balance_sheet
Value:
77.86%
Peer Median: -
#628 of 2556
Top 24.5% in <100M tier
Top Weaknesses (14 metrics)
2556
Efficiency Ratio
profitability
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2555
Net Interest Margin (NIM)
profitability
Value:
-3.66%
Peer Median: -
#2555 of 2556
Bottom 0.1% in <100M tier
2534
Return on Assets (ROA)
profitability
Value:
-5.98%
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2534
Net Worth Ratio
risk
Value:
6.11%
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2468
Total Assets
balance_sheet
Value:
$583,930
Peer Median: -
#2468 of 2556
Bottom 3.5% in <100M tier
2453
Fee Income Per Member
profitability
Value:
$0.06
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2449
Total Deposits
balance_sheet
Value:
$548,066
Peer Median: -
#2449 of 2556
Bottom 4.2% in <100M tier
2447
Loan Growth Rate
growth
Value:
-22.68%
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2437
Average Member Relationship (AMR)
engagement
Value:
$3,124
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2395
AMR Growth Rate
growth
Value:
-10.01%
Peer Median: -
#2395 of 2556
Bottom 6.3% in <100M tier