BlastPoint's Credit Union Scorecard
ST. THOMAS
Charter #7970 · VI
ST. THOMAS has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.4% in tier
- + Total Assets: Top 4.1% in tier
- + Total Deposits: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 2.01% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 0.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,906
+3.0% YoY+1.0% QoQ
|
+6.3K |
2,615
-1.9% YoY
|
3,601
+2.7% YoY
|
33,374
+5.7% YoY
|
Top 2.5% in tier |
| Assets |
$89.3M
+2.8% YoY-0.4% QoQ
|
+$59.2M |
$30.1M
+2.1% YoY
|
$33.3M
+4.2% YoY
|
$561.6M
+9.7% YoY
|
Top 4.2% in tier |
| Loans |
$40.1M
+4.4% YoY+5.1% QoQ
|
+$24.3M |
$15.8M
-1.3% YoY
|
$12.9M
+5.2% YoY
|
$397.0M
+8.8% YoY
|
Top 10.3% in tier |
| Deposits |
$69.5M
+0.7% YoY-0.7% QoQ
|
+$43.8M |
$25.7M
+1.4% YoY
|
$26.7M
+2.3% YoY
|
$477.3M
+9.7% YoY
|
Top 7.1% in tier |
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| ROA |
0.0%
-97.6% YoY-138.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
-9.0% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
5.1%
+9.4% YoY+0.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.6%
+11.2% YoY
|
3.8%
+5.1% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
84.6%
+5.4% YoY-0.0% QoQ
|
+2.0% |
82.6%
-2.3% YoY
|
86.6%
+5.4% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.9%
+158.8% YoY+126.5% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.5%
+184.0% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
57.7%
+3.7% YoY+5.8% QoQ
|
-2.9% |
60.6%
-3.1% YoY
|
39.1%
+2.7% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$12,298
-1.0% YoY+0.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$9,420
+0.8% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
4.2%
+2.7% YoY-0.9% QoQ
|
-20.2% | 24.4% | 5.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.0% | 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)