BlastPoint's Credit Union Scorecard
AMERICA'S CHRISTIAN
Charter #68062 · CA
AMERICA'S CHRISTIAN has 8 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 0.4% in tier
- + Strong member growth: 64.6% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
- + First Mortgage Concentration (%): Top 0.9% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + Asset Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.5% in tier
- - Credit Risk Growth: Bottom 11.9% in tier
- - Shrinking Wallet Share: Bottom 99.9% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 3.14% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
150,078
+64.6% YoY+3.4% QoQ
|
+98.6K |
51,500
+0.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 0.9% in tier |
| Assets |
$818.4M
+14.6% YoY+2.1% QoQ
|
$-47.2M |
$865.6M
+0.9% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$627.2M
+12.1% YoY+2.8% QoQ
|
+$31.9M |
$595.3M
+1.6% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$726.0M
+17.0% YoY+2.0% QoQ
|
$-16.2M |
$742.2M
+0.6% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.5%
+41.9% YoY-30.1% QoQ
|
-0.2% |
0.8%
+45.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
2.8%
-2.8% YoY+0.6% QoQ
|
-0.7% |
3.5%
+6.1% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio |
78.7%
-2.0% YoY+6.3% QoQ
|
+3.1% |
75.5%
-3.4% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
1.0%
+210.8% YoY-37.5% QoQ
|
+0.3 |
0.7%
-0.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
86.4%
-4.2% YoY+0.7% QoQ
|
+5.8% |
80.6%
+0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$9,016
-30.3% YoY-1.0% QoQ
|
$-20K |
$28,908
+0.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
32.0%
+38.9% YoY+4.5% QoQ
|
+7.7% | 24.3% | 21.6% | 19.8% | 77% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 9.0% | 7.7% | Top 0.1% 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)