BlastPoint's Credit Union Scorecard

ST. ATHANASIUS

Charter #65136 · IA

2556 CUs in <100M nationally 39 in IA

ST. ATHANASIUS has 6 strengths but faces 14 concerns

National Analysis

How does the industry compare?
IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 2.91% 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 2.0% in tier
  • + Net Charge-Off Rate: Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.50% below tier average
  • - Efficiency ratio 3.25% above tier (higher cost structure)
  • - Delinquency rate 27.83% above tier average
  • - Member decline: -2.9% YoY
  • - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
  • - Asset Growth Rate: Bottom 1.1% in tier
  • - Deposit Growth Rate: Bottom 1.1% in tier
  • - AMR Growth Rate: Bottom 3.1% in tier
  • - Total Assets: Bottom 3.1% in tier
  • - Total Deposits: Bottom 3.4% in tier
  • - Total Members: Bottom 5.3% in tier
  • - Average Member Relationship (AMR): Bottom 5.3% in tier
  • - Total Loans: Bottom 6.6% in tier
  • - Members Per Employee (MPE): Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 231
-2.9% YoY-0.9% QoQ
 -2.4K 2,615
-1.9% YoY
 24,743
-0.2% YoY
 33,374
+5.7% YoY
 Bottom 5.3% in tier
Assets $502,130
-21.1% YoY-22.8% QoQ
 $-29.6M $30.1M
+2.1% YoY
 $526.3M
+6.5% YoY
 $561.6M
+9.7% YoY
 Bottom 3.1% in tier
Loans $421,803
-9.3% YoY-5.6% QoQ
 $-15.3M $15.8M
-1.3% YoY
 $422.1M
+6.5% YoY
 $397.0M
+8.8% YoY
 Bottom 6.5% in tier
Deposits $393,639
-25.6% YoY-27.0% QoQ
 $-25.3M $25.7M
+1.4% YoY
 $432.9M
+5.9% YoY
 $477.3M
+9.7% YoY
 Bottom 3.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.1%
-52.6% YoY-82.8% QoQ
 -0.5% 0.6%
+10.8% YoY
 0.9%
+6.1% YoY
 0.7%
+15.9% YoY
 22%
NIM 6.9%
+1.8% YoY+13.1% QoQ
 +2.9% 4.0%
+4.0% YoY
 3.9%
+6.4% YoY
 3.8%
+5.1% YoY
 Top 1.5% in tier
Efficiency Ratio 85.8%
-4.4% YoY+19.6% QoQ
 +3.2% 82.6%
-2.3% YoY
 74.3%
-0.8% YoY
 79.7%
-3.3% YoY
 66%
Delinquency Rate 29.4%
+210.8% YoY+133.1% QoQ
 +27.8 1.6%
-3.1% YoY
 1.4%
+32.5% YoY
 1.3%
-2.1% YoY
 Top 0.7% in tier
Loan To Share 107.2%
+21.9% YoY+29.4% QoQ
 +46.5% 60.6%
-3.1% YoY
 76.3%
-0.8% YoY
 67.4%
-1.7% YoY
 Top 2.1% in tier
AMR $3,530
-15.5% YoY-16.6% QoQ
 $-11K $14,783
-1.4% YoY
 $21,029
+4.7% YoY
 $19,687
+2.0% YoY
 Bottom 5.3% in tier
CD Concentration 0.0% -24.4% 24.4% 22.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.2% 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)

Comparing against 2556 peers in tier

Top Strengths (7 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
38
Net Interest Margin (NIM)
profitability
Value: 6.86%
Peer Median: -
#38 of 2556 Top 1.4% in <100M tier
51
Loan-to-Share Ratio
balance_sheet
Value: 107.15%
Peer Median: -
#51 of 2556 Top 2.0% in <100M tier
208
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: -
#208 of 2556 Top 8.1% in <100M tier
457
Net Worth Ratio
risk
Value: 21.44%
Peer Median: -
#457 of 2556 Top 17.8% in <100M tier

Top Weaknesses (14 metrics)

2538
Total Delinquency Rate (60+ days)
risk
Value: 29.38%
Peer Median: -
#2538 of 2556 Bottom 0.7% in <100M tier
2528
Asset Growth Rate
growth
Value: -21.09%
Peer Median: -
#2528 of 2556 Bottom 1.1% in <100M tier
2528
Deposit Growth Rate
growth
Value: -25.56%
Peer Median: -
#2528 of 2556 Bottom 1.1% in <100M tier
2478
AMR Growth Rate
growth
Value: -15.46%
Peer Median: -
#2478 of 2556 Bottom 3.1% in <100M tier
2478
Total Assets
balance_sheet
Value: $502,130
Peer Median: -
#2478 of 2556 Bottom 3.1% in <100M tier
2470
Total Deposits
balance_sheet
Value: $393,639
Peer Median: -
#2470 of 2556 Bottom 3.4% in <100M tier
2421
Total Members
engagement
Value: 231
Peer Median: -
#2421 of 2556 Bottom 5.3% in <100M tier
2421
Average Member Relationship (AMR)
engagement
Value: $3,530
Peer Median: -
#2421 of 2556 Bottom 5.3% in <100M tier
2389
Total Loans
balance_sheet
Value: $421,803
Peer Median: -
#2389 of 2556 Bottom 6.6% in <100M tier
2378
Members Per Employee (MPE)
engagement
Value: 115.500
Peer Median: -
#2378 of 2556 Bottom 7.0% in <100M tier
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