BlastPoint's Credit Union Scorecard
CHRISTIAN COMMUNITY
Charter #97068 · CA
CHRISTIAN COMMUNITY has 6 strengths but faces 8 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
- + Organic Growth Leader: Top 2.0% in tier
- + Organic Growth Engine: Top 18.1% in tier
- + Strong member growth: 11.2% YoY
- + Member Growth Rate: Top 2.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.4% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 0.9% in tier
- - Shrinking Wallet Share: Bottom 4.1% in tier
- - Credit Quality Pressure: Bottom 12.7% in tier
- - Efficiency Drag: Bottom 23.4% in tier
- - Liquidity Strain: Bottom 23.8% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 12.88% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,847
+11.2% YoY+2.7% QoQ
|
-17.3K |
52,114
-2.1% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$875.9M
+6.3% YoY-1.0% QoQ
|
+$16.8M |
$859.0M
+0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$714.4M
-0.1% YoY-0.3% QoQ
|
+$111.0M |
$603.4M
+1.0% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
85% |
| Deposits |
$758.2M
+7.2% YoY-1.3% QoQ
|
+$24.0M |
$734.2M
+0.9% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.1%
-71.7% YoY-4.5% QoQ
|
-0.6% |
0.7%
+27.6% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.8% in tier |
| NIM |
3.1%
-2.8% YoY+0.4% QoQ
|
-0.2% |
3.4%
+9.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
87.4%
+4.0% YoY+1.9% QoQ
|
+12.9% |
74.5%
-3.2% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
0.6%
+72.2% YoY+12.9% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
94.2%
-6.8% YoY+1.0% QoQ
|
+11.6% |
82.7%
+0.1% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$42,258
-6.9% YoY-3.4% QoQ
|
+$14K |
$28,651
+2.5% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 8.9% in tier |
| CD Concentration |
33.5%
+10.5% YoY+1.1% QoQ
|
+9.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
80% |
| Indirect Auto % |
6.9%
+0.4% YoY-3.2% QoQ
|
-7.1% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
48% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)