BlastPoint's Credit Union Scorecard
HOLY FAMILY PARMA
Charter #8944 · OH
HOLY FAMILY PARMA has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Delinquency rate 2.00% above tier average
- - Member decline: -5.8% YoY
- - Loan-to-Share Ratio: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 5.0% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Share Certificate Concentration (%): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,039
-5.8% YoY-1.2% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$16.6M
-2.5% YoY+0.9% QoQ
|
$-13.5M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$2.6M
-19.2% YoY-8.7% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$13.3M
-3.6% YoY+0.9% QoQ
|
$-12.4M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.4%
+223.8% YoY-10.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
2.7%
+28.8% YoY+0.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio |
79.8%
-12.5% YoY+2.8% QoQ
|
-2.7% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
3.6%
-5.6% YoY+28.8% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 10.3% in tier |
| Loan To Share |
19.8%
-16.1% YoY-9.5% QoQ
|
-40.8% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.5% in tier |
| AMR |
$15,369
-0.8% YoY+0.4% QoQ
|
+$586 |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
40.4%
+22.2% YoY+5.2% QoQ
|
+16.0% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 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)