BlastPoint's Credit Union Scorecard
ST. PHILIP'S CHURCH
Charter #7172 · NY
2596 CUs in <100M nationally
188 in NY
ST. PHILIP'S CHURCH has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% 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
- + Net Worth Ratio: Top 4.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 22.41% above tier average
- - Member decline: -2.5% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Total Loans: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Total Deposits: Bottom 6.0% in tier
- - Total Assets: Bottom 7.1% in tier
- - Fee Income Per Member: Bottom 7.5% in tier
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
309
-2.5% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 8.2% in tier |
| Assets |
$1.3M
-1.4% YoY+0.4% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.0% in tier |
| Loans |
$57,316
-6.4% YoY-4.8% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.2% in tier |
| Deposits |
$827,429
-3.6% YoY+0.1% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.0% in tier |
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| ROA |
0.8%
-13.2% YoY+12.4% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
1.9%
+1.9% YoY-3.3% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio |
56.9%
+14.5% YoY-9.3% QoQ
|
-24.5% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
23.9%
+27.2% YoY+1.1% QoQ
|
+22.4 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.0% in tier |
| Loan To Share |
6.9%
-2.9% YoY-4.9% QoQ
|
-54.3% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.2% in tier |
| AMR |
$2,863
-1.3% YoY-0.2% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
106
Net Worth Ratio
risk
Value:
33.57%
Peer Avg: -
#106 of 2596
Top 4.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
282
Efficiency Ratio
profitability
Value:
56.90%
Peer Avg: -
#282 of 2596
Top 10.8% in <100M tier
Top Weaknesses (11 metrics)
2571
Total Delinquency Rate (60+ days)
risk
Value:
23.92%
Peer Avg: -
#2571 of 2596
Bottom 1.0% in <100M tier
2560
Loan-to-Share Ratio
balance_sheet
Value:
6.93%
Peer Avg: -
#2560 of 2596
Bottom 1.4% in <100M tier
2550
Loan-to-Member Ratio (LMR)
engagement
Value:
$185.49
Peer Avg: -
#2550 of 2596
Bottom 1.8% in <100M tier
2538
Total Loans
balance_sheet
Value:
$57,316
Peer Avg: -
#2538 of 2596
Bottom 2.3% in <100M tier
2514
Net Interest Margin (NIM)
profitability
Value:
1.90%
Peer Avg: -
#2514 of 2596
Bottom 3.2% in <100M tier
2481
Average Member Relationship (AMR)
engagement
Value:
$2,863
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2440
Total Deposits
balance_sheet
Value:
$827,429
Peer Avg: -
#2440 of 2596
Bottom 6.0% in <100M tier
2413
Total Assets
balance_sheet
Value:
$1.27M
Peer Avg: -
#2413 of 2596
Bottom 7.1% in <100M tier
2402
Fee Income Per Member
profitability
Value:
$0.89
Peer Avg: -
#2402 of 2596
Bottom 7.5% in <100M tier
2382
Total Members
engagement
Value:
309
Peer Avg: -
#2382 of 2596
Bottom 8.3% in <100M tier