BlastPoint's Credit Union Scorecard
CHRISTIAN COMMUNITY
Charter #97068 · CA
CHRISTIAN COMMUNITY has 7 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 61.9% YoY
- + Asset Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 34.4% in tier
- - Wealth Migration Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 55.1% in tier
- - Efficiency Drag: Bottom 71.9% in tier
- - Credit Quality Pressure: Bottom 83.8% in tier
- - ROA 1.17% below tier average
- - Efficiency ratio 32.34% above tier (higher cost structure)
- - Total Members: Bottom 7.3% in tier
- - Fee Income Per Member: Bottom 8.3% in tier
- - Members Per Employee (MPE): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,379
+61.9% YoY+47.4% QoQ
|
-46.1K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 7.0% in tier |
| Assets |
$1.4B
+71.1% YoY+64.0% QoQ
|
$-287.2M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$1.0B
+44.1% YoY+45.9% QoQ
|
$-192.1M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$1.2B
+70.5% YoY+62.7% QoQ
|
$-225.8M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.5%
-255.5% YoY-495.0% QoQ
|
-1.2% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.0% in tier |
| NIM |
2.5%
-21.3% YoY-19.0% QoQ
|
-0.7% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio |
106.4%
+24.5% YoY+21.7% QoQ
|
+32.3% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
0.7%
+6.9% YoY+28.5% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
84.5%
-15.5% YoY-10.3% QoQ
|
-0.3% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$44,295
-2.9% YoY+4.8% QoQ
|
+$15K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 5.6% in tier |
| CD Concentration |
26.2%
-16.2% YoY-22.0% QoQ
|
-2.9% | 29.0% | 21.7% | 19.8% | 39% |
| Indirect Auto % |
6.2%
-14.1% YoY-10.5% QoQ
|
-12.1% | 18.3% | 9.2% | 7.8% | 27% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)