BlastPoint's Credit Union Scorecard
HOLY GHOST PARISH
Charter #65243 · IA
2556 CUs in <100M nationally
39 in IA
HOLY GHOST PARISH has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 2.0% in tier
- + AMR Growth Rate: Top 4.2% in tier
- + Deposit Growth Rate: Top 6.7% in tier
- + Asset Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 15.08% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
873
-3.5% YoY0% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$32.8M
+10.7% YoY+6.3% QoQ
|
+$2.6M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$1.0M
+9.8% YoY+12.0% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.4% in tier |
| Deposits |
$29.4M
+12.1% YoY+7.4% QoQ
|
+$3.7M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.0%
+130.0% YoY-96.5% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
0.7%
+2.1% YoY-40.8% QoQ
|
-3.2% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.5% in tier |
| Efficiency Ratio |
97.6%
-1.4% YoY+64.4% QoQ
|
+15.1% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 13.9% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
3.6%
-2.0% YoY+4.2% QoQ
|
-57.1% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.8% in tier |
| AMR |
$34,878
+16.1% YoY+7.6% QoQ
|
+$20K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 2.1% 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)
Top Strengths (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
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
53
Average Member Relationship (AMR)
engagement
Value:
$34,878
Peer Median: -
#53 of 2556
Top 2.0% in <100M tier
108
AMR Growth Rate
growth
Value:
16.09%
Peer Median: -
#108 of 2556
Top 4.2% in <100M tier
173
Deposit Growth Rate
growth
Value:
12.07%
Peer Median: -
#173 of 2556
Top 6.7% in <100M tier
202
Asset Growth Rate
growth
Value:
10.71%
Peer Median: -
#202 of 2556
Top 7.9% in <100M tier
292
Loan Growth Rate
growth
Value:
9.78%
Peer Median: -
#292 of 2556
Top 11.4% in <100M tier
590
Members Per Employee (MPE)
engagement
Value:
436.500
Peer Median: -
#590 of 2556
Top 23.0% in <100M tier
Top Weaknesses (9 metrics)
2544
Net Interest Margin (NIM)
profitability
Value:
0.72%
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2534
Loan-to-Share Ratio
balance_sheet
Value:
3.55%
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2388
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,196
Peer Median: -
#2388 of 2556
Bottom 6.6% in <100M tier
2264
Total Loans
balance_sheet
Value:
$1.04M
Peer Median: -
#2264 of 2556
Bottom 11.5% in <100M tier
2202
Efficiency Ratio
profitability
Value:
97.63%
Peer Median: -
#2202 of 2556
Bottom 13.9% in <100M tier
2116
Return on Assets (ROA)
profitability
Value:
0.02%
Peer Median: -
#2116 of 2556
Bottom 17.3% in <100M tier
2090
Net Worth Ratio
risk
Value:
10.24%
Peer Median: -
#2090 of 2556
Bottom 18.3% in <100M tier
1918
Total Members
engagement
Value:
873
Peer Median: -
#1918 of 2556
Bottom 25.0% in <100M tier