BlastPoint's Credit Union Scorecard

CHRISTIAN COMMUNITY

Charter #97068 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

CHRISTIAN COMMUNITY has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 1.1% in tier
+ Emerging Performer: Top 7.0% in tier
+ ROA 0.75% above tier average
+ Net Interest Margin 0.30% above tier average
+ Strong member growth: 59.1% YoY
+ Member Growth Rate: Top 0.7% in tier
+ Asset Growth Rate: Top 0.7% in tier
+ Deposit Growth Rate: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.1% in tier
- Wealth Migration Risk: Bottom 7.0% in tier
- Credit Quality Pressure: Bottom 14.7% in tier
- Shrinking Wallet Share: Bottom 93.4% in tier
- AMR Growth Rate: Bottom 7.2% in tier
- Total Members: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	52,858 +59.1% YoY+2.9% QoQ	-43.2K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 9.2% in tier
Assets	$1.4B +64.1% YoY+0.5% QoQ	$-276.3M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	40%
Loans	$1.0B +42.0% YoY-2.0% QoQ	$-192.1M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	42%
Deposits	$1.2B +62.0% YoY+0.3% QoQ	$-228.7M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% +1074.9% YoY-398.8% QoQ	+0.7%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Top 6.9% in tier
NIM	3.7% +13.7% YoY+43.3% QoQ	+0.3%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	73.6% -15.8% YoY-30.8% QoQ	-1.0%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	44%
Delinquency Rate	0.6% +68.2% YoY-16.2% QoQ	-0.1	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	49%
Loan To Share	82.6% -12.3% YoY-2.2% QoQ	-0.6%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	42%
AMR	$42,727 -4.3% YoY-3.5% QoQ	+$13K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 6.9% in tier
CD Concentration	25.2% -19.4% YoY-3.9% QoQ	-3.7%	28.8%	21.6%	19.8%	34%
Indirect Auto %	5.8% -20.6% YoY-5.7% QoQ	-12.2%	18.1%	9.0%	7.7%	27%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#1 of 115 • Top 1.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 59.09%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 1.46%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 5.84%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Emerging Performer

growth

#2 of 79 • Top 7.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.46%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 59.09%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#6 of 183 • Bottom 2.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 42.03%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#56 of 225 • Bottom 14.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#26 of 82 • Bottom 93.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.26%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Wealth Migration Risk

decline

#4 of 8 • Bottom 7.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $42.7K

(Tier: $29.9K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -4.26%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

8 of 384 Mid-Market CUs have this signature | 28 nationally

→ No prior data (8 CUs now) | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 59.09%

Peer Median: 2.03%

#3 of 306 Top 0.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 64.08%

Peer Median: 4.82%

#3 of 306 Top 0.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 62.00%

Peer Median: 4.44%

#4 of 306 Top 1.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 42.03%

Peer Median: 5.67%

#6 of 306 Top 1.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,328

Peer Median: $12,733

#18 of 306 Top 5.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.46%

Peer Median: 0.66%

#21 of 306 Top 6.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $42,727

Peer Median: $28,178

#21 of 306 Top 6.5% in 1B-3B tier

Top Weaknesses (3 metrics)

285

AMR Growth Rate

growth

Value: -4.26%

Peer Median: 3.15%

#285 of 306 Bottom 7.2% in 1B-3B tier

278

Total Members

engagement

Value: 52,858

Peer Median: 85,918

#278 of 306 Bottom 9.5% in 1B-3B tier

260

Members Per Employee (MPE)

engagement

Value: 279.672

Peer Median: 345.077

#260 of 306 Bottom 15.4% in 1B-3B tier