BlastPoint's Credit Union Scorecard
CHRISTIANSTED
Charter #7989 · VI
CHRISTIANSTED demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.2% in tier
- + Efficiency Ratio: Top 6.0% in tier
- + Loan Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,380
+0.3% YoY-0.3% QoQ
|
+764 |
2,615
-1.9% YoY
|
3,601
+2.7% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$33.5M
+5.8% YoY+0.3% QoQ
|
+$3.4M |
$30.1M
+2.1% YoY
|
$33.3M
+4.2% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$12.1M
+13.5% YoY+2.6% QoQ
|
$-3.6M |
$15.8M
-1.3% YoY
|
$12.9M
+5.2% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$26.8M
+5.1% YoY-0.1% QoQ
|
+$1.1M |
$25.7M
+1.4% YoY
|
$26.7M
+2.3% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
1.6%
+0.0% YoY-1.2% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.6%
-9.0% YoY
|
0.7%
+15.9% YoY
|
Top 12.9% in tier |
| NIM |
3.7%
+2.6% YoY+0.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.6%
+11.2% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
52.8%
-6.4% YoY-0.1% QoQ
|
-29.7% |
82.6%
-2.3% YoY
|
86.6%
+5.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
0.0%
+108.9% YoY-92.1% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.5%
+184.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 15.0% in tier |
| Loan To Share |
45.3%
+7.9% YoY+2.7% QoQ
|
-15.3% |
60.6%
-3.1% YoY
|
39.1%
+2.7% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$11,502
+7.3% YoY+1.0% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$9,420
+0.8% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
14.7%
+2.8% YoY-0.4% QoQ
|
-9.8% | 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)