BlastPoint's Credit Union Scorecard
AMERICA'S CHRISTIAN
Charter #68062 · CA
AMERICA'S CHRISTIAN has 10 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.1% in tier
- + ROA 0.01% above tier average
- + Strong member growth: 79.5% YoY
- + Member Growth Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 1.7% in tier
- + Deposit Growth Rate: Top 2.6% in tier
- + Asset Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 0.0% in tier
- - Credit Risk Growth: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 2.6% in tier
- - Delinquency rate 0.72% above tier average
- - Fee Income Per Member: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
- - AMR Growth Rate: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
145,199
+79.5% YoY+16.1% QoQ
|
+93.1K |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 0.9% in tier |
| Assets |
$801.7M
+16.4% YoY+4.1% QoQ
|
$-62.2M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$610.4M
+13.9% YoY+3.5% QoQ
|
+$4.6M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$711.6M
+20.8% YoY+5.0% QoQ
|
$-25.7M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.8%
+47.6% YoY-11.1% QoQ
|
+0.0% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
2.8%
+4.0% YoY-2.7% QoQ
|
-0.6% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
74.0%
-12.3% YoY+1.4% QoQ
|
-0.3% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.6%
+460.1% YoY+279.0% QoQ
|
+0.7 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 11.1% in tier |
| Loan To Share |
85.8%
-5.7% YoY-1.4% QoQ
|
+3.2% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$9,105
-34.5% YoY-10.2% QoQ
|
$-20K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
30.6%
+25.4% YoY+16.0% QoQ
|
+6.2% | 24.4% | 21.7% | 19.8% | 73% |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-13.8% | 13.8% | 9.2% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)