BlastPoint's Credit Union Scorecard
ST. PATRICK'S PARISH
Charter #65091 · VT
ST. PATRICK'S PARISH faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 4.26% below tier average
- - Efficiency ratio 126.36% above tier (higher cost structure)
- - Delinquency rate 1.26% above tier average
- - Member decline: -7.6% YoY
- - Net Worth Ratio: Bottom 1.0% in tier
- - Total Assets: Bottom 3.3% in tier
- - Total Deposits: Bottom 4.0% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
290
-7.6% YoY-7.1% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
Bottom 7.5% in tier |
| Assets |
$532,840
-7.1% YoY-8.7% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.3% in tier |
| Loans |
$416,848
-14.3% YoY-2.3% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.8% in tier |
| Deposits |
$502,603
-0.0% YoY-8.3% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.0% in tier |
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| ROA |
-4.1%
-3626.9% YoY-31.2% QoQ
|
-4.3% |
0.1%
-77.6% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.3% in tier |
| NIM |
3.5%
-9.3% YoY-196.0% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
37% |
| Efficiency Ratio |
217.0%
+123.7% YoY
|
+126.4% |
90.6%
+6.5% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate |
2.8%
+118.2% QoQ
|
+1.3 |
1.5%
+3.8% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
82.9%
-14.3% YoY+6.5% QoQ
|
+24.4% |
58.5%
-3.0% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$3,171
+0.7% YoY+1.5% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 7.7% | 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)