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
- + Average Member Relationship (AMR): Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 7.84% above tier (higher cost structure)
- - Delinquency rate 0.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,849
-1.1% YoY-1.2% QoQ
|
-827 |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$34.2M
+4.6% YoY+1.9% QoQ
|
+$4.0M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$17.7M
-0.2% YoY-0.3% QoQ
|
+$2.4M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$30.4M
+5.1% YoY+2.8% QoQ
|
+$4.7M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
0.0%
-96.5% YoY-89.9% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
2.8%
-4.3% YoY-6.2% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio |
98.5%
+14.0% YoY+7.4% QoQ
|
+7.8% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
2.1%
+161.9% YoY+13.4% QoQ
|
+0.6 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
58.1%
-5.1% YoY-3.1% QoQ
|
-0.4% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$26,032
+4.2% YoY+2.9% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 7.2% in tier |
| CD Concentration |
36.8%
+16.7% YoY+2.2% QoQ
|
+12.5% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 7.7% | 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)