BlastPoint's Credit Union Scorecard
ST. PHILIP'S CHURCH
Charter #7172 · NY
<100M
2508 CUs in <100M nationally
179 in NY
ST. PHILIP'S CHURCH has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Loan Growth Rate: Top 0.3% in tier
- + Efficiency Ratio: Top 2.4% in tier
- + Net Worth Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 9.98% above tier average
- - Member decline: -3.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Total Loans: Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Net Interest Margin (NIM): Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 4.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
299
-3.2% YoY+0.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$1.3M
+0.3% YoY+0.3% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.6% in tier |
| Loans |
$118,604
+96.9% YoY-5.1% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.1% in tier |
| Deposits |
$818,303
-1.2% YoY-0.1% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.6% in tier |
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| ROA |
1.2%
+76.8% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
2.1%
+45.9% YoY+21.8% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio |
42.4%
-58.3% YoY-29.9% QoQ
|
-48.2% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
11.5%
-51.4% YoY+5.1% QoQ
|
+10.0 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.9% in tier |
| Loan To Share |
14.5%
+99.3% YoY-5.0% QoQ
|
-44.0% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.8% in tier |
| AMR |
$3,133
+9.0% YoY-1.1% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
9
Loan Growth Rate
growth
Value:
96.93%
Peer Median: -2.36%
#9 of 2508
Top 0.3% in <100M tier
62
Efficiency Ratio
profitability
Value:
42.43%
Peer Median: 81.45%
#62 of 2508
Top 2.4% in <100M tier
98
Net Worth Ratio
risk
Value:
34.04%
Peer Median: 14.28%
#98 of 2508
Top 3.9% in <100M tier
288
AMR Growth Rate
growth
Value:
9.01%
Peer Median: 1.27%
#288 of 2508
Top 11.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
580
Return on Assets (ROA)
profitability
Value:
1.21%
Peer Median: 0.61%
#580 of 2508
Top 23.1% in <100M tier
Top Weaknesses (10 metrics)
2461
Total Delinquency Rate (60+ days)
risk
Value:
11.49%
Peer Median: 0.65%
#2461 of 2508
Bottom 1.9% in <100M tier
2437
Loan-to-Share Ratio
balance_sheet
Value:
14.49%
Peer Median: 58.72%
#2437 of 2508
Bottom 2.9% in <100M tier
2431
Total Loans
balance_sheet
Value:
$118,604
Peer Median: $9.48M
#2431 of 2508
Bottom 3.1% in <100M tier
2431
Loan-to-Member Ratio (LMR)
engagement
Value:
$396.67
Peer Median: $4,923
#2431 of 2508
Bottom 3.1% in <100M tier
2404
Net Interest Margin (NIM)
profitability
Value:
2.10%
Peer Median: 3.83%
#2404 of 2508
Bottom 4.2% in <100M tier
2389
Average Member Relationship (AMR)
engagement
Value:
$3,133
Peer Median: $13,926
#2389 of 2508
Bottom 4.8% in <100M tier
2367
Total Deposits
balance_sheet
Value:
$818,303
Peer Median: $18.77M
#2367 of 2508
Bottom 5.7% in <100M tier
2342
Total Assets
balance_sheet
Value:
$1.27M
Peer Median: $21.86M
#2342 of 2508
Bottom 6.7% in <100M tier
2330
Fee Income Per Member
profitability
Value:
$0.62
Peer Median: $60.42
#2330 of 2508
Bottom 7.1% in <100M tier
2309
Total Members
engagement
Value:
299
Peer Median: 1,918
#2309 of 2508
Bottom 8.0% in <100M tier