BlastPoint's Credit Union Scorecard
METROPOLITAN DISTRICT EMPLOYEES
Charter #65817 · CT
METROPOLITAN DISTRICT EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 9.16% above tier (higher cost structure)
- - Delinquency rate 0.31% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,872
0% YoY-0.3% QoQ
|
-743 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$33.5M
+3.5% YoY-0.3% QoQ
|
+$3.4M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$17.8M
-1.3% YoY+0.8% QoQ
|
+$2.0M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$29.6M
+3.5% YoY+0.0% QoQ
|
+$3.9M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.1%
-137.0% YoY-60.0% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
3.0%
+15.6% YoY+1.3% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
91.7%
-1.2% YoY+4.3% QoQ
|
+9.2% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.9%
+123.6% YoY+5.0% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
60.0%
-4.7% YoY+0.8% QoQ
|
-0.6% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$25,295
+1.6% YoY+0.6% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Top 7.8% in tier |
| CD Concentration |
36.0%
+15.8% YoY+4.3% QoQ
|
+11.6% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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)