BlastPoint's Credit Union Scorecard
HOLY FAMILY PARMA
Charter #8944 · OH
HOLY FAMILY PARMA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.04% above tier (higher cost structure)
- - Delinquency rate 3.38% above tier average
- - Member decline: -4.2% YoY
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
- - Net Interest Margin (NIM): Bottom 7.1% in tier
- - Share Certificate Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,045
-4.2% YoY+0.6% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$16.8M
-1.9% YoY+1.0% QoQ
|
$-13.4M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$2.5M
-17.4% YoY-6.5% QoQ
|
$-12.8M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$13.5M
-2.9% YoY+1.2% QoQ
|
$-12.3M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
0.1%
-64.1% YoY-63.6% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
2.4%
-2.8% YoY-10.1% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
94.7%
+20.9% YoY+18.6% QoQ
|
+4.0% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
4.9%
+137.8% YoY+37.2% QoQ
|
+3.4 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.2% in tier |
| Loan To Share |
18.3%
-14.9% YoY-7.6% QoQ
|
-40.2% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.4% in tier |
| AMR |
$15,267
-1.3% YoY-0.7% QoQ
|
+$383 |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
40.3%
+20.9% YoY-0.2% QoQ
|
+16.1% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 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)