BlastPoint's Credit Union Scorecard
CATHOLIC UNITED FINANCIAL
Charter #68469 · MN
CATHOLIC UNITED FINANCIAL has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Member decline: -5.5% YoY
- - Share Certificate Concentration (%): Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 8.3% in tier
- - Deposit Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,955
-5.5% YoY-1.3% QoQ
|
+339 |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$34.3M
-7.3% YoY-7.5% QoQ
|
+$4.2M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$18.4M
+2.4% YoY-1.9% QoQ
|
+$2.6M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$30.6M
-8.8% YoY-4.9% QoQ
|
+$4.9M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.4%
-46.8% YoY-25.7% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.7%
+21.9% YoY+6.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
81.9%
+2.0% YoY+1.9% QoQ
|
-0.7% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.1%
+8354.2% YoY-81.6% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
60.0%
+12.3% YoY+3.2% QoQ
|
-0.7% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$16,581
+0.6% YoY-2.6% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
41.5%
-5.0% YoY-0.6% QoQ
|
+17.1% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 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)