BlastPoint's Credit Union Scorecard
ST. PHILIP'S CHURCH
Charter #7172 · NY
2556 CUs in <100M nationally
183 in NY
ST. PHILIP'S CHURCH has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.2% in tier
- + Net Worth Ratio: Top 4.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 9.38% above tier average
- - Member decline: -2.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Total Loans: Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 4.9% in tier
- - Total Deposits: Bottom 5.9% in tier
- - Fee Income Per Member: Bottom 6.5% in tier
- - Total Assets: Bottom 6.9% in tier
- - Total Members: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
298
-2.3% YoY-3.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 7.6% in tier |
| Assets |
$1.3M
+0.1% YoY-0.6% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.8% in tier |
| Loans |
$124,940
+119.6% YoY+118.0% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.0% in tier |
| Deposits |
$819,115
-0.9% YoY-1.0% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.8% in tier |
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| ROA |
0.7%
-39.6% YoY-17.2% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
1.7%
-17.8% YoY-9.7% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
60.5%
+30.5% YoY+6.3% QoQ
|
-22.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate |
10.9%
-58.1% YoY-54.3% QoQ
|
+9.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 2.1% in tier |
| Loan To Share |
15.3%
+121.6% YoY+120.2% QoQ
|
-45.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.8% in tier |
| AMR |
$3,168
+9.4% YoY+10.6% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
7
Loan Growth Rate
growth
Value:
119.59%
Peer Median: -
#7 of 2556
Top 0.2% in <100M tier
103
Net Worth Ratio
risk
Value:
33.82%
Peer Median: -
#103 of 2556
Top 4.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
287
AMR Growth Rate
growth
Value:
9.37%
Peer Median: -
#287 of 2556
Top 11.2% in <100M tier
312
Efficiency Ratio
profitability
Value:
60.50%
Peer Median: -
#312 of 2556
Top 12.2% in <100M tier
Top Weaknesses (10 metrics)
2503
Total Delinquency Rate (60+ days)
risk
Value:
10.93%
Peer Median: -
#2503 of 2556
Bottom 2.1% in <100M tier
2487
Net Interest Margin (NIM)
profitability
Value:
1.72%
Peer Median: -
#2487 of 2556
Bottom 2.7% in <100M tier
2483
Loan-to-Share Ratio
balance_sheet
Value:
15.25%
Peer Median: -
#2483 of 2556
Bottom 2.9% in <100M tier
2481
Loan-to-Member Ratio (LMR)
engagement
Value:
$419.26
Peer Median: -
#2481 of 2556
Bottom 3.0% in <100M tier
2480
Total Loans
balance_sheet
Value:
$124,940
Peer Median: -
#2480 of 2556
Bottom 3.0% in <100M tier
2433
Average Member Relationship (AMR)
engagement
Value:
$3,168
Peer Median: -
#2433 of 2556
Bottom 4.9% in <100M tier
2407
Total Deposits
balance_sheet
Value:
$819,115
Peer Median: -
#2407 of 2556
Bottom 5.9% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.84
Peer Median: -
#2390 of 2556
Bottom 6.5% in <100M tier
2381
Total Assets
balance_sheet
Value:
$1.26M
Peer Median: -
#2381 of 2556
Bottom 6.9% in <100M tier
2358
Total Members
engagement
Value:
298
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier