BlastPoint's Credit Union Scorecard
HOLY GHOST PARISH
Charter #65243 · IA
<100M
2508 CUs in <100M nationally
37 in IA
HOLY GHOST PARISH has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 1.5% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + Deposit Growth Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.9% YoY
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Net Interest Margin (NIM): Bottom 1.1% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
869
-3.9% YoY-0.5% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$34.2M
+15.2% YoY+4.3% QoQ
|
+$4.0M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$913,474
-4.9% YoY-12.5% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.9% in tier |
| Deposits |
$30.8M
+17.1% YoY+4.8% QoQ
|
+$5.0M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
0.2%
-38.1% YoY
|
+0.1% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
1.0%
-21.7% YoY+33.3% QoQ
|
-3.0% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio |
77.5%
+8.3% YoY-20.6% QoQ
|
-13.1% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
3.0%
-18.8% YoY-16.5% QoQ
|
-55.5% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.8% in tier |
| AMR |
$36,506
+21.0% YoY+4.7% QoQ
|
+$22K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Top 1.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.7% | 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 (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
39
Average Member Relationship (AMR)
engagement
Value:
$36,506
Peer Median: $13,926
#39 of 2508
Top 1.5% in <100M tier
62
Asset Growth Rate
growth
Value:
15.16%
Peer Median: 1.30%
#62 of 2508
Top 2.4% in <100M tier
62
Deposit Growth Rate
growth
Value:
17.11%
Peer Median: 0.66%
#62 of 2508
Top 2.4% in <100M tier
73
AMR Growth Rate
growth
Value:
21.02%
Peer Median: 1.27%
#73 of 2508
Top 2.9% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
577
Members Per Employee (MPE)
engagement
Value:
434.500
Peer Median: 333.750
#577 of 2508
Top 23.0% in <100M tier
Top Weaknesses (8 metrics)
2487
Loan-to-Share Ratio
balance_sheet
Value:
2.96%
Peer Median: 58.72%
#2487 of 2508
Bottom 0.9% in <100M tier
2481
Net Interest Margin (NIM)
profitability
Value:
0.96%
Peer Median: 3.83%
#2481 of 2508
Bottom 1.1% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2357
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,051
Peer Median: $4,923
#2357 of 2508
Bottom 6.1% in <100M tier
2234
Total Loans
balance_sheet
Value:
$913,474
Peer Median: $9.48M
#2234 of 2508
Bottom 11.0% in <100M tier
2099
Net Worth Ratio
risk
Value:
9.87%
Peer Median: 14.28%
#2099 of 2508
Bottom 16.3% in <100M tier
1915
Member Growth Rate
growth
Value:
-3.87%
Peer Median: -1.37%
#1915 of 2508
Bottom 23.7% in <100M tier
1882
Total Members
engagement
Value:
869
Peer Median: 1,918
#1882 of 2508
Bottom 25.0% in <100M tier