HOLY GHOST PARISH
Charter #65243 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
HOLY GHOST PARISH has 6 strengths but faces 6 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
- + Average Member Relationship (AMR): Top 2.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Member decline: -3.7% YoY
- - Loan-to-Share Ratio: Bottom 1.0% in tier
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
873
-3.7% YoY-3.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
25th in tier |
| Assets |
$30.8M
+5.3% YoY+1.9% QoQ
|
+$978K |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
61st in tier |
| Loans |
$932,587
-9.6% YoY-5.7% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.0% in tier |
| Deposits |
$27.4M
+6.5% YoY+2.0% QoQ
|
+$1.9M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
62nd in tier |
| ROA |
0.5%
-53.7% YoY+8.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
36th in tier |
| NIM |
1.2%
-29.4% YoY-0.8% QoQ
|
-2.7% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
59.4%
+48.4% YoY-5.6% QoQ
|
-22.0% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate |
0.7%
+33.4% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
51st in tier |
| Loan To Share |
3.4%
-15.1% YoY-7.5% QoQ
|
-57.8% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.8% in tier |
| AMR |
$32,418
+10.0% YoY+5.0% QoQ
|
+$18K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 2.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
74
Average Member Relationship (AMR)
engagement
Value:
$32,418
Peer Avg: $14,627
#74 of 2596
Top 2.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
249
AMR Growth Rate
growth
Value:
9.96%
Peer Avg: 4.67%
#249 of 2596
Top 9.6% in <100M tier
345
Efficiency Ratio
profitability
Value:
59.40%
Peer Avg: 81.39%
#345 of 2596
Top 13.3% in <100M tier
467
Deposit Growth Rate
growth
Value:
6.46%
Peer Avg: 16.80%
#467 of 2596
Top 18.0% in <100M tier
584
Members Per Employee (MPE)
engagement
Value:
436.500
Peer Avg: 365.701
#584 of 2596
Top 22.5% in <100M tier
631
Asset Growth Rate
growth
Value:
5.26%
Peer Avg: 1.82%
#631 of 2596
Top 24.3% in <100M tier
Top Weaknesses (6 metrics)
2572
Loan-to-Share Ratio
balance_sheet
Value:
3.41%
Peer Avg: 61.23%
#2572 of 2596
Bottom 1.0% in <100M tier
2571
Net Interest Margin (NIM)
profitability
Value:
1.22%
Peer Avg: 3.93%
#2571 of 2596
Bottom 1.0% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2436
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,068
Peer Avg: $5,488
#2436 of 2596
Bottom 6.2% in <100M tier
2310
Total Loans
balance_sheet
Value:
$932,587
Peer Avg: $15.77M
#2310 of 2596
Bottom 11.1% in <100M tier
2009
Loan Growth Rate
growth
Value:
-9.59%
Peer Avg: 59.01%
#2009 of 2596
Bottom 22.7% in <100M tier